Dallas, TX · Charter 2073
NCUA · 3 branches
Q3 2020
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.56% | 0.55% | 0.40% | 0.34% | -0.15% | -0.09% | 0.10% | -30 bps | |
| Return on Equity | 4.70% | 6.97% | 6.59% | 4.88% | 4.10% | -1.90% | -1.20% | 1.38% | -350 bps | |
| Net Interest Margin | 3.93% | 3.95% | 4.04% | 4.03% | 4.04% | 3.63% | 3.27% | 3.17% | -86 bps | |
| Efficiency Ratio | 85.99% | 85.04% | 84.20% | 84.41% | 85.31% | 89.70% | 93.76% | 90.91% | +650 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.24% | 1.63% | 0.60% | 0.78% | 1.27% | 2.18% | 11.38% | 13.23% | +1,245 bps | |
| Loan Growth (YoY) | -1.74% | -2.49% | -4.78% | -7.06% | -8.63% | -9.19% | -6.52% | -1.98% | +508 bps | |
| Share Growth (YoY) | 1.10% | 0.90% | -0.31% | 0.64% | 0.84% | 2.66% | 12.33% | 13.32% | +1,268 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.30% | 0.55% | 0.50% | 0.59% | 0.58% | 0.35% | 0.33% | -17 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 | 0.33% | 0.33% | 0.36% | 0.42% | 0.52% | 0.59% | 0.56% | 0.52% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.15% | 8.04% | 8.30% | 8.29% | 8.40% | 8.02% | 7.47% | 7.43% | -86 bps | |
| Net Worth / Assets | 8.15% | 8.04% | 8.30% | 8.29% | 8.40% | 8.02% | 7.47% | 7.43% | -86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.04% | 88.87% | 89.15% | 85.75% | 84.29% | 78.61% | 74.19% | 74.17% | -1,158 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |