Corpus Christi, TX · Charter 67555
NCUA · 1 branch
Q4 2018
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 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.39% | -0.29% | -0.31% | -0.29% | 0.03% | -0.19% | -0.13% | -61331750% | -6,133,174,971 bps | |
| Return on Equity | -2.18% | -1.54% | -1.66% | -1.58% | 0.16% | -0.80% | -0.52% | n/a | n/a | |
| Net Interest Margin | 0.95% | 0.99% | 1.00% | 1.01% | 1.08% | 1.31% | 1.42% | -56627850% | -5,662,785,101 bps | |
| Efficiency Ratio | 140.63% | 137.44% | 136.76% | 133.24% | 133.68% | 132.61% | 127.94% | 99.38% | -3,386 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.09% | -9.03% | -9.54% | -9.52% | -7.18% | -21.07% | -27.49% | -100.00% | -9,048 bps | |
| Loan Growth (YoY) | -18.95% | -21.89% | -25.39% | -29.37% | -29.57% | -32.33% | -40.60% | -100.00% | -7,063 bps | |
| Share Growth (YoY) | -4.57% | -10.59% | -11.17% | -11.15% | -8.48% | -25.58% | -33.61% | -100.00% | -8,885 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| 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 | 3.21% | 3.03% | 3.26% | 3.58% | 2.69% | 3.02% | 2.45% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 17.74% | 18.52% | 18.72% | 18.61% | 18.93% | 23.19% | 25.64% | 0.00% | -1,861 bps | |
| Net Worth / Assets | 17.74% | 18.52% | 18.72% | 18.61% | 18.93% | 23.19% | 25.64% | 0.00% | -1,861 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 12.33% | 12.08% | 11.42% | 10.36% | 9.49% | 10.98% | 10.22% | 0.00% | -1,036 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |