San Antonio, TX · Charter 8004
NCUA · 3 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
San Antonio, TX · Charter 8004
NCUA · 3 branches
Q1 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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.44% | -0.58% | -0.43% | 0.06% | -0.41% | -0.40% | -0.66% | -3.95% | -401 bps | |
| Return on Equity | -4.65% | -6.17% | -4.46% | 0.60% | -4.36% | -4.16% | -7.09% | -45.35% | -4,595 bps | |
| Net Interest Margin | 2.88% | 2.97% | 3.10% | 3.33% | 3.35% | 3.45% | 3.42% | 3.32% | -1 bps | |
| Efficiency Ratio | 112.03% | 108.42% | 104.27% | 98.65% | 99.78% | 98.84% | 100.57% | 136.69% | +3,804 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.04% | -3.24% | -3.74% | -5.75% | -4.09% | -5.76% | -3.20% | -7.18% | -143 bps | |
| Loan Growth (YoY) | 6.94% | 1.59% | 11.62% | 11.63% | 3.06% | -0.76% | -9.21% | -12.50% | -2,413 bps | |
| Share Growth (YoY) | 1.93% | -2.14% | -4.45% | -6.53% | -5.29% | -6.30% | -2.24% | -5.37% | +116 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.95% | 2.11% | 3.22% | 1.77% | 1.17% | 1.17% | 1.27% | 1.34% | -44 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 | 1.23% | 1.79% | 1.84% | 1.59% | 1.53% | 1.74% | 2.00% | 3.07% | +148 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.52% | 9.41% | 9.69% | 9.67% | 9.52% | 9.69% | 9.35% | 8.72% | -95 bps | |
| Net Worth / Assets | 9.52% | 9.41% | 9.69% | 9.67% | 9.52% | 9.69% | 9.35% | 8.72% | -95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.20% | 38.74% | 42.28% | 40.68% | 40.48% | 41.03% | 39.27% | 37.62% | -307 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |