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 | |