Houston, TX · Charter 61135
NCUA · 3 branches
Q1 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.33% | -0.43% | -0.07% | -0.24% | -0.18% | -0.02% | 0.44% | +50 bps | |
| Return on Equity | 2.41% | 2.29% | -3.13% | -0.50% | -1.76% | -1.29% | -0.16% | 2.99% | +350 bps | |
| Net Interest Margin | 3.33% | 3.39% | 2.90% | 3.38% | 3.51% | 3.68% | 3.95% | 4.32% | +95 bps | |
| Efficiency Ratio | 90.75% | 90.50% | 100.75% | 95.60% | 94.72% | 93.08% | 90.36% | 85.78% | -982 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.33% | -5.00% | -3.99% | -4.54% | -2.69% | -2.13% | -5.20% | -6.21% | -168 bps | |
| Loan Growth (YoY) | 6.59% | 10.54% | 7.27% | -2.57% | -4.73% | -9.43% | -10.55% | -7.86% | -529 bps | |
| Share Growth (YoY) | -8.86% | -5.66% | -3.48% | -4.18% | -1.32% | -0.57% | -5.53% | -7.48% | -330 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.58% | 0.45% | 0.38% | 0.67% | 0.32% | 0.30% | 0.15% | -24 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.09% | 14.35% | 13.71% | 13.62% | 13.68% | 13.78% | 14.37% | 14.55% | +93 bps | |
| Net Worth / Assets | 14.09% | 14.35% | 13.71% | 13.62% | 13.68% | 13.78% | 14.37% | 14.55% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.11% | 89.80% | 88.80% | 82.16% | 82.17% | 81.80% | 84.09% | 81.83% | -33 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 99.91% | 98.92% | 100.14% | 100.05% | 0.00% | 99.18% | +26 bps | |