Waco, TX · Charter 5555
NCUA · 1 branch
Q3 2023
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.82% | -1.93% | -1.62% | -1.01% | -1.64% | +518 bps | |
| Return on Equity | -43.46% | -11.86% | -9.97% | -6.20% | -8.57% | +3,489 bps | |
| Net Interest Margin | 2.77% | 2.89% | 3.95% | 4.01% | 4.79% | +202 bps | |
| Efficiency Ratio | 1751% | 161.96% | 135.21% | 122.22% | 135.10% | -161,639 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.01% | -10.50% | -11.77% | -10.96% | -24.36% | -1,936 bps | |
| Loan Growth (YoY) | -11.93% | -2.80% | -5.57% | 0.20% | 4.63% | +1,656 bps | |
| Share Growth (YoY) | -1.38% | -9.32% | -11.54% | -11.52% | -27.59% | -2,621 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 3.67% | 2.31% | 2.77% | 3.30% | 2.76% | -90 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.70% | 16.27% | 16.29% | 16.33% | 19.13% | +343 bps | |
| Net Worth / Assets | 15.70% | 16.27% | 16.29% | 16.33% | 19.13% | +343 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |