Masterson, TX · Charter 4078
NCUA · 1 branch
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in TX (n=233). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
93
Asset Quality
100
Profitability
38
Liquidity
77
Efficiency
5
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Masterson, TX · Charter 4078
NCUA · 1 branch
Q4 2024
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 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.53% | 0.82% | 0.52% | 0.27% | -0.16% | +138 bps | |
| Return on Equity | -6.81% | 3.44% | 2.10% | 1.07% | -0.55% | +626 bps | |
| Net Interest Margin | 3.48% | 3.99% | 4.14% | 4.23% | 4.61% | +114 bps | |
| Efficiency Ratio | 138.75% | 116.26% | 107.35% | 106.91% | 106.53% | -3,222 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -26.54% | -24.45% | -24.82% | -18.85% | -20.66% | +588 bps | |
| Loan Growth (YoY) | 12.19% | 9.63% | 0.82% | -6.46% | -22.73% | -3,492 bps | |
| Share Growth (YoY) | -31.05% | -29.34% | -25.42% | -17.73% | -26.31% | +473 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.05% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.35% | 0.72% | 0.74% | 0.76% | 0.76% | -59 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.50% | 23.90% | 24.66% | 25.57% | 28.20% | +570 bps | |
| Net Worth / Assets | 22.50% | 23.90% | 24.66% | 25.57% | 28.20% | +570 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.52% | 80.86% | 76.30% | 77.80% | 78.14% | +362 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Masterson, TX · Charter 4078 · Peer group: credit unions under $1B in assets in TX (n=233)
NCUA · 1 branch
Q4 2024
Return on Assets
-0.15%
Rank 199 of 233
Net Interest Margin
4.62%
Rank 41 of 233
Efficiency Ratio
106.83%
Rank 223 of 233
Equity / Assets
28.19%
Rank 16 of 233
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.15% | 0.12% | 0.54% | 1.08% | Beats 15% | 199 / 233 | |
| Return on Equity | -0.54% | 0.84% | 3.92% | 7.05% | Beats 16% | 195 / 233 | |
| Net Interest Margin | 4.62% | 3.14% | 3.75% | 4.40% | Beats 82% | 41 / 233 | |
| Efficiency Ratio | 106.83% | 70.42% | 80.73% | 90.63% | Beats 5% | 223 / 233 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.30% | 0.63% | 1.22% | Beats 100% | 18 / 233 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 28.20% | 11.13% | 13.76% | 18.98% | Beats 93% | 16 / 233 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 28.19% | 11.13% | 13.76% | 18.98% | Beats 93% | 16 / 233 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.14% | 57.18% | 72.80% | 85.52% | 58th pctl | 98 / 233 | |
| Loans / Assets | 55.86% | 48.04% | 61.08% | 71.76% | 39th pctl | 143 / 233 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||