Killeen, TX · Charter 8676
NCUA · 5 branches
Q3 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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.37% | -0.53% | -0.13% | -0.05% | 0.08% | 0.68% | 0.91% | 1.02% | +108 bps | |
| Return on Equity | -5.58% | -8.42% | -2.03% | -0.82% | 1.20% | 10.15% | 13.06% | 13.90% | +1,472 bps | |
| Net Interest Margin | 2.44% | 2.37% | 2.45% | 2.52% | 2.59% | 2.81% | 2.81% | 2.96% | +45 bps | |
| Efficiency Ratio | 98.54% | 98.12% | 93.85% | 90.91% | 88.95% | 84.01% | 81.01% | 77.84% | -1,307 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.73% | 7.78% | 2.81% | -0.32% | 0.18% | -0.43% | 2.93% | 1.58% | +190 bps | |
| Loan Growth (YoY) | 2.64% | 1.57% | 5.56% | 5.82% | 24.72% | 32.48% | 25.72% | 30.23% | +2,441 bps | |
| Share Growth (YoY) | 4.09% | 8.94% | 3.42% | -0.48% | -0.02% | -1.43% | 2.26% | 0.56% | +103 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.88% | 0.41% | 0.38% | 0.51% | 0.39% | 0.45% | 0.41% | 0.53% | +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 | 1.02% | 1.12% | 0.99% | 1.04% | 0.87% | 0.71% | 0.57% | 0.50% | -54 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.66% | 6.31% | 6.52% | 6.58% | 6.73% | 6.72% | 6.93% | 7.36% | +78 bps | |
| Net Worth / Assets | 6.66% | 6.31% | 6.52% | 6.58% | 6.73% | 6.72% | 6.93% | 7.36% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.82% | 36.73% | 40.73% | 39.87% | 49.67% | 49.37% | 50.07% | 51.63% | +1,176 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 98.11% | 0.00% | 0.00% | 0.00% | 0 bps | |