PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Moore Combined

Denton, TX · Charter 21279

NCUA · 1 branch

Q1 2025

$14.4MAssets
$11.8MLoans
$13.9MShares
$314KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -6.40%, down 719 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 1.54% of loans (-132 bps YoY).
  • Capital: net worth / assets of 2.18%, down 575 bps from a year ago.
  • Funding: loans stand at 85.31% of shares as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

-6.40%-719 bps YoY

Net Interest Margin (YTD, annualized)

3.64%-41 bps YoY

Efficiency Ratio (YTD, annualized)

190.58%+7,784 bps YoY

Net Worth / Assets

2.18%-575 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.78%-3.02%-6.37%-6.60%-6.40%-719 bps
Return on Equity9.88%-43.70%-125.86%-174.60%-294%-30,360 bps
Net Interest Margin4.04%4.16%4.60%5.05%3.64%-41 bps
Efficiency Ratio112.73%154.29%273%229%190.58%+7,784 bps
Growth
Asset Growth (YoY)-24.15%-20.23%-28.46%-32.28%-28.58%-443 bps
Loan Growth (YoY)-28.19%-21.95%-34.25%-32.33%-31.69%-350 bps
Share Growth (YoY)-28.79%-22.88%-16.35%-21.52%-11.00%+1,779 bps
Asset Quality
Delinquent Loans / Loans2.86%1.57%4.51%5.66%1.54%-132 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.94%6.91%5.06%3.78%2.18%-575 bps
Net Worth / Assets7.94%6.91%5.06%3.78%2.18%-575 bps
Liquidity & Funding
Loans / Shares111.16%103.56%85.87%93.21%85.31%-2,585 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps