Bayard, NM · Charter 9771
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Bayard, NM · Charter 9771
Q1 2015
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.11% | -0.77% | 0.46% | 0.68% | 4.00% | +710 bps | |
| Return on Equity | -55.24% | -12.70% | 6.86% | 10.13% | 54.45% | +10,970 bps | |
| Net Interest Margin | 6.07% | 6.31% | 6.49% | 6.26% | 6.33% | +25 bps | |
| Efficiency Ratio | 70.31% | 68.24% | 67.05% | 66.64% | 68.34% | -198 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.17% | 2.99% | 2.41% | 7.08% | 12.21% | +704 bps | |
| Loan Growth (YoY) | 15.74% | 19.52% | 15.62% | 9.20% | 6.78% | -896 bps | |
| Share Growth (YoY) | 6.48% | 1.91% | 1.07% | 6.67% | 9.85% | +337 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.62% | 1.03% | 1.76% | 1.83% | 1.87% | +126 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.10% | 2.06% | 1.93% | 1.96% | 1.32% | -79 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.62% | 6.07% | 6.75% | 6.70% | 7.34% | +172 bps | |
| Net Worth / Assets | 5.62% | 6.07% | 6.75% | 6.70% | 7.34% | +172 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.95% | 95.29% | 98.62% | 93.81% | 88.40% | -255 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |