Beaumont, TX · Charter 20503
NCUA · 1 branch
Q4 2022
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 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.34% | 0.10% | 0.36% | -0.02% | 0.02% | -0.80% | -0.35% | -0.14% | -11 bps | |
| Return on Equity | -4.68% | 1.39% | 4.75% | -0.32% | 0.29% | -11.23% | -4.49% | -1.62% | -130 bps | |
| Net Interest Margin | 2.51% | 2.49% | 2.56% | 2.63% | 2.54% | 2.63% | 2.91% | 3.16% | +53 bps | |
| Efficiency Ratio | 94.46% | 90.36% | 86.86% | 90.93% | 91.56% | 97.46% | 95.88% | 95.31% | +437 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.22% | 9.29% | 5.73% | 2.67% | -1.28% | -6.40% | -9.96% | -12.17% | -1,484 bps | |
| Loan Growth (YoY) | -2.07% | -1.66% | 4.91% | 6.68% | 3.03% | 1.82% | 1.00% | 8.24% | +155 bps | |
| Share Growth (YoY) | 13.06% | 9.61% | 5.61% | 2.70% | -1.36% | -6.28% | -10.12% | -13.22% | -1,592 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.00% | 1.74% | 1.75% | 1.25% | 1.18% | 1.49% | 1.84% | 2.30% | +105 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 | 1.39% | 0.78% | 0.72% | 0.86% | 0.95% | 1.14% | 1.00% | 0.81% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.24% | 7.16% | 7.56% | 7.45% | 7.41% | 7.17% | 7.80% | 8.34% | +90 bps | |
| Net Worth / Assets | 7.24% | 7.16% | 7.56% | 7.45% | 7.41% | 7.17% | 7.80% | 8.34% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.30% | 61.27% | 65.27% | 67.67% | 66.12% | 66.57% | 73.35% | 84.40% | +1,673 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |