Prairie View, TX · Charter 2077
NCUA · 1 branch
Q4 2021
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 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.44% | -0.48% | -5.05% | -7.46% | 1.39% | 0.51% | -0.14% | -0.67% | +679 bps | |
| Return on Equity | -5.28% | -5.68% | -81.70% | -240% | 43.45% | 16.32% | -4.80% | -28.83% | +21,115 bps | |
| Net Interest Margin | 3.68% | 3.51% | 3.90% | 4.06% | 3.60% | 3.40% | 3.32% | 3.38% | -68 bps | |
| Efficiency Ratio | 129.83% | 116.20% | 209% | 250% | 61.45% | 92.24% | 100.99% | 110.99% | -13,902 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.60% | -10.53% | -18.14% | -21.74% | -12.34% | -11.29% | 0.35% | 3.71% | +2,545 bps | |
| Loan Growth (YoY) | -24.06% | -26.84% | -15.58% | -10.74% | -7.49% | -2.85% | -14.58% | -13.18% | -244 bps | |
| Share Growth (YoY) | -9.84% | -10.70% | -19.40% | -23.61% | -18.24% | -17.39% | -4.54% | -0.74% | +2,287 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.94% | 2.13% | 0.00% | 0.59% | 0.56% | 0.57% | 0.62% | 0.69% | +10 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 | 1.52% | 1.78% | 0.71% | 0.96% | 1.22% | 0.90% | 0.77% | 0.87% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.41% | 8.43% | 6.18% | 3.11% | 3.21% | 3.13% | 2.82% | 2.33% | -78 bps | |
| Net Worth / Assets | 8.41% | 8.43% | 6.18% | 3.11% | 3.21% | 3.13% | 2.82% | 2.33% | -78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.12% | 36.19% | 45.28% | 50.32% | 43.13% | 42.57% | 40.52% | 44.01% | -630 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |