Fort Worth, TX · Charter 19393
NCUA · 1 branch
Q2 2023
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 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.52% | -1.51% | -1.34% | -1.48% | -1.75% | -23 bps | |
| Return on Equity | -21.23% | -22.50% | -20.45% | -23.60% | -26.99% | -576 bps | |
| Net Interest Margin | 2.67% | 2.64% | 2.77% | 3.01% | 3.15% | +49 bps | |
| Efficiency Ratio | 123.98% | 126.44% | 124.11% | 134.37% | 139.53% | +1,555 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -18.97% | -11.14% | -7.25% | -5.45% | -10.50% | +848 bps | |
| Loan Growth (YoY) | -27.36% | -28.29% | -32.36% | -35.16% | -35.38% | -802 bps | |
| Share Growth (YoY) | -19.38% | -10.11% | -5.86% | -4.36% | -9.98% | +940 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.73% | 0.40% | 0.32% | 1.16% | 0.29% | -45 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.68% | 0.14% | 0.23% | 0.17% | 0.06% | -62 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.17% | 6.70% | 6.58% | 6.27% | 6.48% | -69 bps | |
| Net Worth / Assets | 7.17% | 6.70% | 6.58% | 6.27% | 6.48% | -69 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.52% | 31.33% | 28.86% | 25.62% | 24.78% | -974 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |