El Paso, TX · Charter 60058
NCUA · 29 branches
Q3 2022
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 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 1.23% | 1.33% | 1.50% | 1.53% | 0.99% | 0.94% | 1.11% | -39 bps | |
| Return on Equity | 6.67% | 12.67% | 13.18% | 14.38% | 14.15% | 9.19% | 8.89% | 10.41% | -397 bps | |
| Net Interest Margin | 3.53% | 3.30% | 3.31% | 3.31% | 3.34% | 3.40% | 3.36% | 3.38% | +6 bps | |
| Efficiency Ratio | 71.33% | 69.50% | 70.73% | 70.42% | 71.38% | 77.60% | 76.57% | 73.61% | +319 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.50% | 18.47% | 9.21% | 9.93% | 5.77% | 3.86% | 8.84% | 10.26% | +33 bps | |
| Loan Growth (YoY) | 0.50% | -1.01% | -3.21% | -3.20% | -0.96% | 3.53% | 8.34% | 14.08% | +1,727 bps | |
| Share Growth (YoY) | 23.31% | 27.42% | 13.37% | 11.51% | 6.36% | 2.41% | 3.47% | 4.55% | -696 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.56% | 0.48% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.57% | 1.60% | 1.50% | 1.33% | 1.13% | 1.06% | 1.02% | 0.94% | -39 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.82% | 9.68% | 10.06% | 10.44% | 10.83% | 10.76% | 10.53% | 10.67% | +23 bps | |
| Net Worth / Assets | 9.82% | 9.68% | 10.06% | 10.44% | 10.83% | 10.76% | 10.53% | 10.67% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.17% | 77.88% | 78.13% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |