Irving, TX · Charter 68569
NCUA · 5 branches
Q3 2017
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.28% | 0.02% | 0.07% | 0.09% | 0.05% | -1.14% | -0.50% | -2.43% | -252 bps | |
| Return on Equity | -2.91% | 0.18% | 0.69% | 0.93% | 0.56% | -12.57% | -5.49% | -31.55% | -3,248 bps | |
| Net Interest Margin | 3.30% | 3.14% | 3.14% | 3.12% | 3.06% | 2.84% | 2.86% | 2.85% | -27 bps | |
| Efficiency Ratio | 91.80% | 91.28% | 90.52% | 90.49% | 90.40% | 104.02% | 97.62% | 145.46% | +5,497 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.38% | -0.59% | 2.04% | 1.54% | 1.93% | 3.30% | 3.69% | 1.87% | +33 bps | |
| Loan Growth (YoY) | -6.09% | -4.08% | -0.97% | 0.49% | 0.98% | 1.95% | -7.88% | -10.78% | -1,128 bps | |
| Share Growth (YoY) | 3.90% | -0.21% | 2.21% | 1.95% | 1.65% | 3.52% | 4.84% | 3.25% | +130 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.96% | 0.72% | 0.69% | 0.91% | 0.88% | 0.85% | 0.97% | 0.94% | +3 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 | 0.83% | 0.80% | 0.75% | 0.74% | 0.67% | 0.79% | 0.76% | 0.83% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.70% | 9.61% | 9.70% | 9.72% | 9.57% | 9.07% | 9.13% | 7.71% | -202 bps | |
| Net Worth / Assets | 9.70% | 9.61% | 9.70% | 9.72% | 9.57% | 9.07% | 9.13% | 7.71% | -202 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.28% | 74.28% | 76.40% | 76.28% | 75.78% | 73.15% | 67.14% | 65.92% | -1,037 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |