Houston, TX · Charter 177
NCUA · 6 branches
Q1 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.25% | 0.09% | 0.22% | 0.19% | 0.50% | 0.44% | 0.84% | 0.75% | +56 bps | |
| Return on Equity | -2.50% | 0.96% | 2.24% | 1.98% | 5.02% | 4.35% | 7.87% | 7.11% | +513 bps | |
| Net Interest Margin | 2.54% | 2.46% | 2.42% | 2.14% | 2.20% | 2.19% | 2.18% | 1.97% | -17 bps | |
| Efficiency Ratio | 101.70% | 92.99% | 89.09% | 83.97% | 78.58% | 81.94% | 75.39% | 77.69% | -627 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.19% | 5.48% | 7.68% | 9.61% | 5.37% | 2.81% | 1.21% | 0.82% | -879 bps | |
| Loan Growth (YoY) | -13.39% | -12.63% | -12.25% | -11.03% | -6.84% | -2.73% | -0.95% | 3.58% | +1,461 bps | |
| Share Growth (YoY) | 0.43% | 5.34% | 7.92% | 10.63% | 6.26% | 3.38% | 1.50% | 1.76% | -887 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.39% | 0.58% | 0.56% | 0.47% | 0.10% | 0.19% | 0.10% | -46 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 | 1.11% | 1.06% | 0.95% | 0.94% | 0.92% | 0.84% | 0.45% | 0.34% | -60 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.91% | 9.87% | 9.97% | 9.62% | 9.99% | 10.08% | 10.70% | 10.49% | +87 bps | |
| Net Worth / Assets | 9.91% | 9.87% | 9.97% | 9.62% | 9.99% | 10.08% | 10.70% | 10.49% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.69% | 52.29% | 51.07% | 47.53% | 48.82% | 49.20% | 49.84% | 48.38% | +85 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |