Sweeny, TX · Charter 11773
NCUA · 1 branch
Q2 2023
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.07% | -0.91% | -1.25% | -0.52% | -1.74% | -67 bps | |
| Return on Equity | -9.50% | -8.82% | -12.67% | -5.00% | -17.49% | -799 bps | |
| Net Interest Margin | 2.87% | 2.72% | 2.96% | 4.33% | 4.46% | +159 bps | |
| Efficiency Ratio | 126.93% | 124.30% | 132.84% | 111.20% | 135.05% | +812 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.83% | 7.20% | 9.32% | 8.90% | -3.32% | -816 bps | |
| Loan Growth (YoY) | -6.03% | -5.80% | -4.00% | 5.39% | 6.67% | +1,270 bps | |
| Share Growth (YoY) | 5.00% | 12.05% | 12.86% | 10.46% | 0.19% | -481 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 1.05% | 0.00% | 0.11% | 1.57% | +157 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.65% | 0.71% | 0.69% | 0.71% | 0.78% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.27% | 10.29% | 9.84% | 10.30% | 9.97% | -130 bps | |
| Net Worth / Assets | 11.27% | 10.29% | 9.84% | 10.30% | 9.97% | -130 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.05% | 45.29% | 50.96% | 54.80% | 53.29% | +324 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |