Longview, TX · Charter 10776
NCUA · 1 branch
Q1 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2022, the quarter ended March 31, 2022, 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.
Longview, TX · Charter 10776
NCUA · 1 branch
Q1 2022
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 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.24% | -9.59% | -13.98% | -5.88% | -7.73% | -13.27% | -13.39% | -4.83% | +104 bps | |
| Return on Equity | -11.70% | -25.45% | -41.00% | -18.09% | -29.59% | -50.35% | -56.30% | -21.20% | -310 bps | |
| Net Interest Margin | 5.51% | 2.97% | 2.84% | 2.66% | 2.21% | 2.17% | 2.00% | 2.03% | -63 bps | |
| Efficiency Ratio | 153.61% | 217% | 261% | 320% | 368% | 193.51% | 245% | 150.72% | -16,966 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.06% | -32.35% | -22.54% | -16.16% | -24.80% | -12.37% | -9.38% | -10.67% | +549 bps | |
| Loan Growth (YoY) | -34.27% | -42.77% | -24.59% | -21.28% | -43.20% | -39.09% | -58.98% | -66.69% | -4,541 bps | |
| Share Growth (YoY) | -26.73% | -39.37% | -23.56% | -20.29% | -13.37% | 2.60% | 3.97% | 1.71% | +2,200 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 48.22% | 46.96% | 59.90% | 63.11% | 44.33% | 46.52% | 12.74% | 0.00% | -6,311 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 | 15.64% | 28.80% | 37.80% | 41.51% | 59.95% | 64.22% | 67.73% | 91.71% | +5,020 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 36.24% | 37.68% | 34.10% | 32.48% | 26.12% | 26.36% | 23.78% | 22.81% | -968 bps | |
| Net Worth / Assets | 36.24% | 37.68% | 34.10% | 32.48% | 26.12% | 26.36% | 23.78% | 22.81% | -968 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.43% | 41.49% | 43.40% | 38.48% | 25.86% | 24.63% | 17.12% | 12.60% | -2,588 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |