Waco, TX · Charter 5555
NCUA · 1 branch
Q3 2023
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2023, the quarter ended September 30, 2023, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Waco, TX · Charter 5555
NCUA · 1 branch
Q3 2023
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 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.86% | 3.76% | -4.82% | -6.82% | -1.93% | -1.62% | -1.01% | -1.64% | +518 bps | |
| Return on Equity | -22.31% | 22.70% | -30.17% | -43.46% | -11.86% | -9.97% | -6.20% | -8.57% | +3,489 bps | |
| Net Interest Margin | 3.24% | 0.94% | 2.97% | 2.77% | 2.89% | 3.95% | 4.01% | 4.79% | +202 bps | |
| Efficiency Ratio | 269% | -24.00% | 252% | 1751% | 161.96% | 135.21% | 122.22% | 135.10% | -161,639 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.36% | -8.20% | -7.51% | -5.01% | -10.50% | -11.77% | -10.96% | -24.36% | -1,936 bps | |
| Loan Growth (YoY) | -13.01% | -18.17% | -20.97% | -11.93% | -2.80% | -5.57% | 0.20% | 4.63% | +1,656 bps | |
| Share Growth (YoY) | -5.12% | -6.89% | -5.42% | -1.38% | -9.32% | -11.54% | -11.52% | -27.59% | -2,621 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.22% | 7.30% | 3.92% | 5.55% | 1.22% | 0.14% | 0.32% | 4.98% | -58 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 | 4.00% | 3.82% | 4.05% | 3.67% | 2.31% | 2.77% | 3.30% | 2.76% | -90 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.32% | 16.57% | 15.97% | 15.70% | 16.27% | 16.29% | 16.33% | 19.13% | +343 bps | |
| Net Worth / Assets | 17.32% | 16.57% | 15.97% | 15.70% | 16.27% | 16.29% | 16.33% | 19.13% | +343 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.68% | 31.59% | 29.53% | 31.81% | 36.10% | 33.72% | 33.44% | 45.97% | +1,416 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |