Amarillo, TX · Charter 67509
Q4 2013
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.64% | -1.83% | -1.51% | -1.50% | -0.71% | -7 bps | |
| Return on Equity | -6.07% | -18.01% | -15.16% | -15.75% | -8.04% | -197 bps | |
| Net Interest Margin | 3.53% | 3.26% | 3.31% | 3.27% | 4.12% | +59 bps | |
| Efficiency Ratio | 119.52% | 136.89% | 133.41% | 135.02% | 119.76% | +24 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -15.53% | -13.18% | -10.58% | -2.48% | -3.07% | +1,246 bps | |
| Loan Growth (YoY) | -20.99% | -12.44% | 1.00% | 2.14% | 2.04% | +2,303 bps | |
| Share Growth (YoY) | -17.73% | -13.75% | -10.41% | -1.29% | 0.72% | +1,845 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.06% | 0.07% | 0.00% | 0.00% | 0.01% | -5 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.26% | 0.49% | 0.47% | 0.49% | 0.50% | +24 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.56% | 10.17% | 9.97% | 9.50% | 8.80% | -176 bps | |
| Net Worth / Assets | 10.56% | 10.17% | 9.97% | 9.50% | 8.80% | -176 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.22% | 50.17% | 50.43% | 49.38% | 49.86% | +65 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |