El Paso, TX · Charter 60058
NCUA · 29 branches
Q3 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2022, the quarter ended September 30, 2022, 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.
El Paso, TX · Charter 60058
NCUA · 29 branches
Q3 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 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.50% | 1.53% | 0.99% | 0.94% | 1.11% | -39 bps | |
| Return on Equity | 14.38% | 14.15% | 9.19% | 8.89% | 10.41% | -397 bps | |
| Net Interest Margin | 3.31% | 3.34% | 3.40% | 3.36% | 3.38% | +6 bps | |
| Efficiency Ratio | 70.42% | 71.38% | 77.60% | 76.57% | 73.61% | +319 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.93% | 5.77% | 3.86% | 8.84% | 10.26% | +33 bps | |
| Loan Growth (YoY) | -3.20% | -0.96% | 3.53% | 8.34% | 14.08% | +1,727 bps | |
| Share Growth (YoY) | 11.51% | 6.36% | 2.41% | 3.47% | 4.55% | -696 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.49% | 0.50% | 0.40% | 0.37% | 0.39% | -11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.33% | 1.13% | 1.06% | 1.02% | 0.94% | -39 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.44% | 10.83% | 10.76% | 10.53% | 10.67% | +23 bps | |
| Net Worth / Assets | 10.44% | 10.83% | 10.76% | 10.53% | 10.67% | +23 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.10% | 79.31% | 78.73% | 81.81% | 85.22% | +712 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |