Houston, TX · Charter 3833
NCUA · 2 branches
Q4 2021
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | -0.31% | -0.29% | -0.28% | -0.39% | -51 bps | |
| Return on Equity | 1.58% | -4.27% | -4.08% | -4.01% | -5.71% | -729 bps | |
| Net Interest Margin | 3.67% | 2.84% | 2.74% | 2.67% | 2.59% | -108 bps | |
| Efficiency Ratio | 90.89% | 92.23% | 95.57% | 93.41% | 97.52% | +663 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.28% | 15.27% | 4.70% | 7.61% | 6.73% | -455 bps | |
| Loan Growth (YoY) | -20.63% | -24.33% | -16.98% | -10.34% | -4.73% | +1,590 bps | |
| Share Growth (YoY) | 13.26% | 15.08% | 6.04% | 8.03% | 7.06% | -620 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.12% | 0.70% | 0.26% | 0.16% | 1.02% | -9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.71% | 0.84% | 0.88% | 1.10% | 1.23% | +52 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.49% | 7.19% | 7.21% | 7.06% | 6.78% | -72 bps | |
| Net Worth / Assets | 7.49% | 7.19% | 7.21% | 7.06% | 6.78% | -72 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.41% | 51.48% | 53.00% | 52.58% | 51.09% | -632 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |