Beaumont, TX · Charter 67501
NCUA · 1 branch
Q4 2017
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.63% | 0.11% | 0.09% | 0.00% | -0.40% | -0.22% | -0.58% | -0.46% | -46 bps | |
| Return on Equity | -6.48% | 1.08% | 0.86% | 0.02% | -4.08% | -2.15% | -6.26% | -4.94% | -496 bps | |
| Net Interest Margin | 2.70% | 2.76% | 2.79% | 2.78% | 2.95% | 3.02% | 2.90% | 2.89% | +12 bps | |
| Efficiency Ratio | 112.30% | 104.11% | 102.24% | 101.92% | 103.65% | 108.44% | 112.16% | 110.30% | +838 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.91% | -0.76% | -3.00% | 0.54% | -1.01% | -1.25% | 2.42% | 0.86% | +32 bps | |
| Loan Growth (YoY) | -9.38% | -6.28% | -8.54% | -8.71% | -12.17% | -10.48% | -8.74% | -11.49% | -278 bps | |
| Share Growth (YoY) | 0.40% | -1.28% | -0.09% | -2.38% | -0.88% | -1.22% | -1.19% | -0.92% | +145 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 1.39% | 1.86% | 3.17% | 1.38% | 0.25% | 0.41% | 0.03% | -314 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.96% | 1.07% | 1.15% | 1.17% | 1.34% | 1.25% | 0.62% | 0.37% | -80 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.77% | 10.27% | 10.17% | 9.91% | 9.78% | 10.08% | 9.28% | 9.22% | -69 bps | |
| Net Worth / Assets | 9.77% | 10.27% | 10.17% | 9.91% | 9.78% | 10.08% | 9.28% | 9.22% | -69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.95% | 49.68% | 46.13% | 45.01% | 43.38% | 45.03% | 42.61% | 40.21% | -480 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |