Denton, TX · Charter 21279
NCUA · 1 branch
Q1 2025
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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.37% | -2.15% | -2.46% | 0.78% | -3.02% | -6.37% | -6.60% | -6.40% | -719 bps | |
| Return on Equity | -29.47% | -26.61% | -33.56% | 9.88% | -43.70% | -125.86% | -174.60% | -294% | -30,360 bps | |
| Net Interest Margin | 3.97% | 4.26% | 4.43% | 4.04% | 4.16% | 4.60% | 5.05% | 3.64% | -41 bps | |
| Efficiency Ratio | 121.81% | 122.13% | 125.25% | 112.73% | 154.29% | 273% | 229% | 190.58% | +7,784 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -21.49% | -23.26% | -23.48% | -24.15% | -20.23% | -28.46% | -32.28% | -28.58% | -443 bps | |
| Loan Growth (YoY) | -25.56% | -23.92% | -27.46% | -28.19% | -21.95% | -34.25% | -32.33% | -31.69% | -350 bps | |
| Share Growth (YoY) | -16.71% | -22.23% | -20.59% | -28.79% | -22.88% | -16.35% | -21.52% | -11.00% | +1,779 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.13% | 3.79% | 2.26% | 2.86% | 1.57% | 4.51% | 5.66% | 1.54% | -132 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.05% | 8.07% | 7.34% | 7.94% | 6.91% | 5.06% | 3.78% | 2.18% | -575 bps | |
| Net Worth / Assets | 8.05% | 8.07% | 7.34% | 7.94% | 6.91% | 5.06% | 3.78% | 2.18% | -575 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.32% | 109.25% | 108.11% | 111.16% | 103.56% | 85.87% | 93.21% | 85.31% | -2,585 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |