Longview, TX · Charter 10776
NCUA · 1 branch
Q1 2022
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 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.88% | -7.73% | -13.27% | -13.39% | -4.83% | +104 bps | |
| Return on Equity | -18.09% | -29.59% | -50.35% | -56.30% | -21.20% | -310 bps | |
| Net Interest Margin | 2.66% | 2.21% | 2.17% | 2.00% | 2.03% | -63 bps | |
| Efficiency Ratio | 320% | 368% | 193.51% | 245% | 150.72% | -16,966 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.16% | -24.80% | -12.37% | -9.38% | -10.67% | +549 bps | |
| Loan Growth (YoY) | -21.28% | -43.20% | -39.09% | -58.98% | -66.69% | -4,541 bps | |
| Share Growth (YoY) | -20.29% | -13.37% | 2.60% | 3.97% | 1.71% | +2,200 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 41.51% | 59.95% | 64.22% | 67.73% | 91.71% | +5,020 bps | |
| Capital | |||||||
| Risk-Based Capital | 32.48% | 26.12% | 26.36% | 23.78% | 22.81% | -968 bps | |
| Net Worth / Assets | 32.48% | 26.12% | 26.36% | 23.78% | 22.81% | -968 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |