Beaumont, TX · Charter 491
NCUA · 12 branches
Q3 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 1.02% | 0.98% | 0.98% | 0.98% | 1.00% | 1.05% | 1.13% | +15 bps | |
| Return on Equity | 6.11% | 8.71% | 8.22% | 8.09% | 7.95% | 8.38% | 8.52% | 9.17% | +108 bps | |
| Net Interest Margin | 2.78% | 2.80% | 2.79% | 2.82% | 2.82% | 2.68% | 2.76% | 2.79% | -4 bps | |
| Efficiency Ratio | 73.68% | 69.08% | 70.31% | 70.97% | 71.22% | 72.66% | 71.72% | 71.01% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.11% | 11.50% | 5.71% | 7.78% | 7.73% | 6.37% | 5.12% | 7.87% | +9 bps | |
| Loan Growth (YoY) | 9.51% | 12.68% | 14.28% | 14.03% | 8.85% | 6.89% | 6.99% | 5.90% | -813 bps | |
| Share Growth (YoY) | 13.40% | 18.00% | 9.03% | 9.47% | 9.20% | 8.65% | 7.17% | 11.14% | +167 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.45% | 0.59% | 0.33% | 0.54% | 0.47% | 0.42% | 0.44% | +12 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 | 1.01% | 1.03% | 1.06% | 1.05% | 1.05% | 1.04% | 1.01% | 0.98% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.20% | 11.75% | 11.87% | 12.12% | 12.30% | 11.99% | 12.28% | 12.31% | +19 bps | |
| Net Worth / Assets | 12.20% | 11.75% | 11.87% | 12.12% | 12.30% | 11.99% | 12.28% | 12.31% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.50% | 91.16% | 92.80% | 94.01% | 95.19% | 89.68% | 92.64% | 89.57% | -444 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |