Freeport, TX · Charter 5462
NCUA · 1 branch
Q1 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.85% | 0.88% | 0.41% | 0.36% | 0.70% | 0.89% | 1.17% | +75 bps | |
| Return on Equity | 3.93% | 4.77% | 4.83% | 2.40% | 2.05% | 3.99% | 4.93% | 6.50% | +409 bps | |
| Net Interest Margin | 3.01% | 2.85% | 2.81% | 2.48% | 2.47% | 2.47% | 2.50% | 2.43% | -5 bps | |
| Efficiency Ratio | 79.51% | 75.50% | 75.58% | 88.30% | 84.98% | 79.85% | 78.74% | 71.89% | -1,641 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.85% | 8.60% | 7.66% | 13.30% | 8.51% | 6.42% | 5.61% | 1.90% | -1,140 bps | |
| Loan Growth (YoY) | -8.74% | -12.32% | -11.38% | -8.72% | -6.29% | 0.26% | -1.42% | 0.45% | +917 bps | |
| Share Growth (YoY) | 6.21% | 9.06% | 6.41% | 14.76% | 10.34% | 6.61% | 7.43% | 1.36% | -1,340 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.09% | 0.81% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.55% | 0.60% | 0.47% | 0.48% | 0.67% | 0.53% | 0.30% | 0.28% | -20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.22% | 17.88% | 18.13% | 17.24% | 17.48% | 17.55% | 18.05% | 17.99% | +74 bps | |
| Net Worth / Assets | 18.22% | 17.88% | 18.13% | 17.24% | 17.48% | 17.55% | 18.05% | 17.99% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.14% | 55.69% | 57.84% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |