Kilgore, TX · Charter 1524
NCUA · 1 branch
Q3 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | -2.28% | -0.48% | -0.47% | -0.48% | -3.52% | -3.57% | -1.83% | -136 bps | |
| Return on Equity | 2.54% | -13.77% | -3.33% | -3.04% | -2.78% | -17.70% | -17.09% | -8.18% | -515 bps | |
| Net Interest Margin | 3.40% | 2.82% | 2.61% | 3.16% | 3.48% | 1.04% | 3.38% | 3.97% | +81 bps | |
| Efficiency Ratio | 97.95% | 121.19% | 117.63% | 105.26% | 106.96% | 415% | 167.17% | 144.78% | +3,951 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.11% | 0.03% | 13.53% | 3.63% | -4.54% | -21.50% | -39.28% | -34.69% | -3,832 bps | |
| Loan Growth (YoY) | -6.30% | 1.62% | 8.63% | -1.33% | 5.45% | 6.50% | -20.07% | -20.21% | -1,888 bps | |
| Share Growth (YoY) | -0.67% | -0.05% | 16.31% | 5.18% | -5.15% | -24.47% | -43.96% | -40.20% | -4,538 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.05% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.67% | 0.66% | 0.59% | 0.69% | 0.66% | 0.64% | 0.76% | 0.82% | +13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.87% | 16.59% | 14.49% | 15.62% | 17.20% | 19.89% | 20.92% | 22.42% | +680 bps | |
| Net Worth / Assets | 16.87% | 16.59% | 14.49% | 15.62% | 17.20% | 19.89% | 20.92% | 22.42% | +680 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.14% | 74.75% | 71.98% | 73.64% | 82.43% | 105.41% | 102.68% | 98.26% | +2,462 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |