Fritch, TX · Charter 4292
NCUA · 1 branch
Q2 2025
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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.61% | -0.73% | -0.78% | -0.55% | -4.17% | -356 bps | |
| Return on Equity | -2.19% | -2.56% | -2.69% | -1.93% | -14.83% | -1,264 bps | |
| Net Interest Margin | 4.49% | 4.79% | 4.89% | 4.76% | 5.21% | +72 bps | |
| Efficiency Ratio | 109.07% | 103.62% | 103.81% | 106.03% | 160.48% | +5,140 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.63% | -5.19% | -4.22% | -3.43% | -9.78% | -315 bps | |
| Loan Growth (YoY) | -3.27% | -4.69% | -4.59% | -8.19% | -11.92% | -865 bps | |
| Share Growth (YoY) | -10.90% | -6.47% | -4.77% | -3.73% | -8.55% | +234 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.94% | 1.01% | 1.48% | 1.09% | 0.72% | -121 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.45% | 1.35% | 1.54% | 1.70% | 1.75% | +30 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.69% | 28.57% | 28.93% | 28.63% | 28.12% | +44 bps | |
| Net Worth / Assets | 27.69% | 28.57% | 28.93% | 28.63% | 28.12% | +44 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.21% | 86.99% | 88.06% | 84.35% | 86.89% | -332 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |