Freeport, TX · Charter 5462
NCUA · 1 branch
Q1 2022
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 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | 0.36% | 0.70% | 0.89% | 1.17% | +75 bps | |
| Return on Equity | 2.40% | 2.05% | 3.99% | 4.93% | 6.50% | +409 bps | |
| Net Interest Margin | 2.48% | 2.47% | 2.47% | 2.50% | 2.43% | -5 bps | |
| Efficiency Ratio | 88.30% | 84.98% | 79.85% | 78.74% | 71.89% | -1,641 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.30% | 8.51% | 6.42% | 5.61% | 1.90% | -1,140 bps | |
| Loan Growth (YoY) | -8.72% | -6.29% | 0.26% | -1.42% | 0.45% | +917 bps | |
| Share Growth (YoY) | 14.76% | 10.34% | 6.61% | 7.43% | 1.36% | -1,340 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.50% | 0.12% | 0.19% | 0.12% | 0.03% | -47 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.48% | 0.67% | 0.53% | 0.30% | 0.28% | -20 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.24% | 17.48% | 17.55% | 18.05% | 17.99% | +74 bps | |
| Net Worth / Assets | 17.24% | 17.48% | 17.55% | 18.05% | 17.99% | +74 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.99% | 51.08% | 52.37% | 53.08% | 51.53% | -47 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |