San Antonio, TX · Charter 20391
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 | 0.07% | -0.80% | 5.05% | 4.00% | 3.25% | 0.49% | 1.24% | 1.49% | -251 bps | |
| Return on Equity | 0.21% | -2.52% | 14.93% | 11.28% | 9.20% | 1.25% | 3.27% | 3.90% | -738 bps | |
| Net Interest Margin | 1.59% | 1.89% | 1.53% | 6.54% | 5.35% | 3.73% | 3.42% | 3.27% | -327 bps | |
| Efficiency Ratio | 95.61% | 142.54% | 31.14% | 34.00% | 34.82% | 86.97% | 63.61% | 54.48% | +2,048 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -22.53% | -20.63% | -13.64% | -14.76% | 1.29% | -7.10% | -8.34% | -4.01% | +1,075 bps | |
| Loan Growth (YoY) | 28.88% | 37.42% | 14.57% | -8.58% | -10.63% | -4.14% | -17.61% | 6.44% | +1,502 bps | |
| Share Growth (YoY) | -30.46% | -29.63% | -22.98% | -24.15% | -3.08% | -14.87% | -13.32% | -7.90% | +1,625 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.85% | 0.86% | 0.83% | 1.43% | 1.57% | 0.32% | 0.33% | 0.31% | -112 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 32.47% | 31.96% | 33.80% | 35.48% | 35.37% | 38.80% | 37.99% | 38.17% | +269 bps | |
| Net Worth / Assets | 32.47% | 31.96% | 33.80% | 35.48% | 35.37% | 38.80% | 37.99% | 38.17% | +269 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.05% | 58.35% | 60.46% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |