San Antonio, TX · Charter 20391
NCUA · 1 branch
Q3 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 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.00% | 3.25% | 0.49% | 1.24% | 1.49% | -251 bps | |
| Return on Equity | 11.28% | 9.20% | 1.25% | 3.27% | 3.90% | -738 bps | |
| Net Interest Margin | 6.54% | 5.35% | 3.73% | 3.42% | 3.27% | -327 bps | |
| Efficiency Ratio | 34.00% | 34.82% | 86.97% | 63.61% | 54.48% | +2,048 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.76% | 1.29% | -7.10% | -8.34% | -4.01% | +1,075 bps | |
| Loan Growth (YoY) | -8.58% | -10.63% | -4.14% | -17.61% | 6.44% | +1,502 bps | |
| Share Growth (YoY) | -24.15% | -3.08% | -14.87% | -13.32% | -7.90% | +1,625 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 4.85% | 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 |
| Allowance / Loans | 1.43% | 1.57% | 0.32% | 0.33% | 0.31% | -112 bps | |
| Capital | |||||||
| Risk-Based Capital | 35.48% | 35.37% | 38.80% | 37.99% | 38.17% | +269 bps | |
| Net Worth / Assets | 35.48% | 35.37% | 38.80% | 37.99% | 38.17% | +269 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.09% | 56.30% | 65.71% | 57.47% | 59.04% | +795 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |