Stinnett, TX · Charter 15961
NCUA · 2 branches
Q4 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 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.58% | -0.13% | -0.01% | -0.09% | -1.73% | -230 bps | |
| Return on Equity | 3.00% | -0.69% | -0.08% | -0.49% | -9.73% | -1,273 bps | |
| Net Interest Margin | 2.40% | 2.23% | 2.27% | 2.31% | 1.82% | -58 bps | |
| Efficiency Ratio | 84.29% | 104.67% | 100.49% | 103.19% | 158.17% | +7,388 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.64% | 2.02% | 0.32% | -0.66% | -1.68% | -332 bps | |
| Loan Growth (YoY) | -1.16% | -4.72% | -1.70% | -2.07% | -4.10% | -294 bps | |
| Share Growth (YoY) | 1.48% | 2.25% | 0.24% | -0.69% | -2.20% | -368 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.48% | 0.51% | 0.40% | 0.41% | 0.40% | -8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.26% | 0.28% | 0.27% | 0.25% | 0.12% | -14 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.17% | 18.64% | 18.81% | 19.01% | 17.77% | -140 bps | |
| Net Worth / Assets | 19.17% | 18.64% | 18.81% | 19.01% | 17.77% | -140 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.18% | 48.38% | 49.99% | 49.79% | 51.17% | -101 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |