Sweeny, TX · Charter 11773
NCUA · 1 branch
Q2 2023
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 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.81% | -1.19% | -2.18% | -1.07% | -0.91% | -1.25% | -0.52% | -1.74% | -67 bps | |
| Return on Equity | -6.58% | -9.78% | -17.79% | -9.50% | -8.82% | -12.67% | -5.00% | -17.49% | -799 bps | |
| Net Interest Margin | 3.17% | 3.24% | 3.24% | 2.87% | 2.72% | 2.96% | 4.33% | 4.46% | +159 bps | |
| Efficiency Ratio | 119.55% | 129.40% | 164.22% | 126.93% | 124.30% | 132.84% | 111.20% | 135.05% | +812 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.32% | 11.16% | 0.72% | 4.83% | 7.20% | 9.32% | 8.90% | -3.32% | -816 bps | |
| Loan Growth (YoY) | -15.77% | 0.53% | 3.40% | -6.03% | -5.80% | -4.00% | 5.39% | 6.67% | +1,270 bps | |
| Share Growth (YoY) | 6.40% | 14.71% | 2.44% | 5.00% | 12.05% | 12.86% | 10.46% | 0.19% | -481 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 0.56% | 0.61% | 0.65% | 0.71% | 0.69% | 0.71% | 0.78% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.30% | 12.12% | 12.26% | 11.27% | 10.29% | 9.84% | 10.30% | 9.97% | -130 bps | |
| Net Worth / Assets | 12.30% | 12.12% | 12.26% | 11.27% | 10.29% | 9.84% | 10.30% | 9.97% | -130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.87% | 59.91% | 57.44% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |