Midland, TX · Charter 7676
NCUA · 6 branches
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Midland, TX · Charter 7676
NCUA · 6 branches
Q4 2016
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.43% | 0.56% | 0.41% | 0.27% | 0.12% | 0.44% | 0.45% | +4 bps | |
| Return on Equity | 6.00% | 4.16% | 5.34% | 3.86% | 2.53% | 1.11% | 4.14% | 4.30% | +43 bps | |
| Net Interest Margin | 3.12% | 3.06% | 3.12% | 3.17% | 2.97% | 2.98% | 3.01% | 2.95% | -22 bps | |
| Efficiency Ratio | 80.38% | 81.45% | 76.90% | 77.82% | 77.87% | 79.36% | 75.32% | 75.13% | -269 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.44% | 8.01% | 5.76% | 4.73% | 1.72% | -0.06% | 2.14% | 5.69% | +95 bps | |
| Loan Growth (YoY) | 27.41% | 34.72% | 24.29% | 13.98% | 8.15% | -1.59% | -1.05% | -0.49% | -1,447 bps | |
| Share Growth (YoY) | 4.45% | 1.91% | 2.90% | 1.36% | -0.75% | 2.55% | 5.13% | 7.02% | +566 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 0.63% | 0.71% | 1.18% | 0.51% | 0.60% | 1.53% | 1.72% | +54 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 | 0.77% | 0.71% | 0.83% | 0.97% | 1.02% | 1.04% | 1.08% | 1.08% | +11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.45% | 10.32% | 10.54% | 10.65% | 10.59% | 10.57% | 10.63% | 10.53% | -12 bps | |
| Net Worth / Assets | 10.45% | 10.32% | 10.54% | 10.65% | 10.59% | 10.57% | 10.63% | 10.53% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.61% | 88.99% | 88.34% | 84.53% | 82.39% | 85.41% | 83.15% | 78.59% | -593 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |