San Antonio, TX · Charter 67686
Q3 2015
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.77% | -0.75% | -0.04% | 0.02% | -0.23% | +54 bps | |
| Return on Equity | -10.88% | -11.01% | -0.63% | 0.34% | -3.14% | +773 bps | |
| Net Interest Margin | 1.78% | 1.74% | 1.66% | 1.71% | 1.77% | -1 bps | |
| Efficiency Ratio | 121.97% | 122.61% | 131.59% | 119.13% | 120.86% | -111 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.49% | -1.51% | -5.87% | -4.92% | -7.95% | -346 bps | |
| Loan Growth (YoY) | -8.57% | -12.12% | -14.36% | -15.42% | -12.21% | -365 bps | |
| Share Growth (YoY) | -4.01% | -0.93% | -5.66% | -4.88% | -8.08% | -408 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.96% | 1.91% | 1.70% | 0.69% | 0.44% | -151 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.12% | 2.28% | 1.54% | 1.23% | 1.23% | -89 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.07% | 6.79% | 6.99% | 7.20% | 7.28% | +22 bps | |
| Net Worth / Assets | 7.07% | 6.79% | 6.99% | 7.20% | 7.28% | +22 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.85% | 37.01% | 37.42% | 36.87% | 38.06% | -179 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |