Dallas, TX · Charter 5497
NCUA · 3 branches
Q3 2021
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 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.02% | -0.16% | 0.03% | -0.02% | -0.05% | 0.05% | -0.32% | -35 bps | |
| Return on Equity | 5.92% | 0.37% | -2.60% | 0.48% | -0.38% | -0.84% | 0.86% | -5.59% | -607 bps | |
| Net Interest Margin | 3.23% | 3.01% | 2.69% | 2.59% | 2.41% | 1.89% | 1.85% | 1.84% | -76 bps | |
| Efficiency Ratio | 90.49% | 95.83% | 102.22% | 95.44% | 96.90% | 101.32% | 98.68% | 107.66% | +1,222 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.80% | -0.12% | 5.85% | 7.69% | 9.66% | 10.44% | 3.83% | 2.32% | -537 bps | |
| Loan Growth (YoY) | -2.22% | -0.78% | -3.99% | -6.88% | -12.67% | -19.51% | -23.43% | -23.96% | -1,709 bps | |
| Share Growth (YoY) | -2.42% | 0.02% | 7.30% | 8.94% | 11.16% | 12.37% | 5.08% | 3.77% | -518 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.51% | 0.69% | 0.32% | 0.17% | 0.19% | 0.20% | 0.38% | 0.08% | -9 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 | 0.27% | 0.19% | 0.20% | 0.25% | 0.26% | 0.26% | 0.25% | 0.26% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.64% | 6.56% | 6.10% | 6.22% | 6.03% | 5.90% | 5.96% | 5.79% | -43 bps | |
| Net Worth / Assets | 6.64% | 6.56% | 6.10% | 6.22% | 6.03% | 5.90% | 5.96% | 5.79% | -43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.37% | 58.22% | 52.57% | 49.44% | 45.07% | 41.70% | 38.31% | 36.23% | -1,321 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |