PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

E E South Texas

Corpus Christi, TX · Charter 67555

NCUA · 1 branch

Q4 2018

$0KAssets
$0KLoans
$0KShares
$0KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -61331750.00%, down 6,133,174,971 bps year over year; NIM at -56627850.00%.
  • Capital: net worth / assets of 0.00%, down 1,861 bps from a year ago.
  • Funding: loans stand at 0.00% of shares as of Q4 2018.

Financial Results

Return on Assets (quarter, annualized)

-61331750%-6,133,174,971 bps YoY

Net Interest Margin (quarter, annualized)

-56627850%-5,662,785,101 bps YoY

Efficiency Ratio (quarter, annualized)

99.38%-3,386 bps YoY

Net Worth / Assets

0.00%-1,861 bps YoY

Discrete quarter, annualized.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets-0.29%0.03%-0.19%-0.13%-61331750%-6,133,174,971 bps
Return on Equity-1.58%0.16%-0.80%-0.52%n/an/a
Net Interest Margin1.01%1.08%1.31%1.42%-56627850%-5,662,785,101 bps
Efficiency Ratio133.24%133.68%132.61%127.94%99.38%-3,386 bps
Growth
Asset Growth (YoY)-9.52%-7.18%-21.07%-27.49%-100.00%-9,048 bps
Loan Growth (YoY)-29.37%-29.57%-32.33%-40.60%-100.00%-7,063 bps
Share Growth (YoY)-11.15%-8.48%-25.58%-33.61%-100.00%-8,885 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%n/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.58%2.69%3.02%2.45%n/an/a
Capital
Risk-Based Capital18.61%18.93%23.19%25.64%0.00%-1,861 bps
Net Worth / Assets18.61%18.93%23.19%25.64%0.00%-1,861 bps
Liquidity & Funding
Loans / Shares10.36%9.49%10.98%10.22%0.00%-1,036 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps