Longview, TX · Charter 67527
NCUA · 1 branch
Q2 2020
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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | -0.53% | -0.29% | -0.47% | -0.82% | -0.60% | -1.52% | -0.90% | -43 bps | |
| Return on Equity | 0.20% | -2.79% | -1.53% | -2.46% | -4.32% | -3.12% | -8.14% | -5.05% | -259 bps | |
| Net Interest Margin | 3.55% | 3.31% | 3.51% | 3.41% | 3.53% | 3.57% | 3.45% | 3.17% | -24 bps | |
| Efficiency Ratio | 99.97% | 113.07% | 106.71% | 104.32% | 105.81% | 103.86% | 127.26% | 118.79% | +1,447 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.51% | 3.74% | 0.64% | 1.56% | -0.74% | -2.81% | -1.94% | 1.72% | +16 bps | |
| Loan Growth (YoY) | -5.41% | -5.43% | -8.67% | -5.99% | -4.14% | -3.59% | -7.86% | -10.69% | -470 bps | |
| Share Growth (YoY) | 6.35% | 5.05% | 1.32% | 2.07% | 0.00% | -2.96% | -0.57% | 3.58% | +151 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 0.30% | 0.34% | 0.84% | 0.33% | 0.31% | 0.41% | 0.35% | -49 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 | 0.52% | 0.43% | 0.39% | 0.44% | 0.58% | 0.55% | 0.57% | 0.58% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.99% | 19.16% | 19.23% | 18.91% | 18.95% | 19.12% | 18.71% | 17.80% | -111 bps | |
| Net Worth / Assets | 19.99% | 19.16% | 19.23% | 18.91% | 18.95% | 19.12% | 18.71% | 17.80% | -111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.98% | 80.99% | 81.67% | 81.09% | 81.46% | 80.47% | 75.68% | 69.92% | -1,117 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |