Rosenberg, TX · Charter 61524
NCUA · 1 branch
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.
Rosenberg, TX · Charter 61524
NCUA · 1 branch
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 | -1.78% | -2.79% | -2.85% | -3.26% | -3.58% | -4.34% | -4.58% | -3.07% | +19 bps | |
| Return on Equity | -5.75% | -8.64% | -9.00% | -9.77% | -10.94% | -13.94% | -14.98% | -9.87% | -10 bps | |
| Net Interest Margin | 2.93% | 2.12% | 2.02% | 2.02% | 1.85% | 0.75% | 0.72% | 1.10% | -92 bps | |
| Efficiency Ratio | 159.57% | 232% | 241% | 261% | 294% | 682% | 736% | 220% | -4,100 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.26% | -4.37% | -8.45% | -15.50% | -14.94% | -7.78% | -9.30% | -3.40% | +1,209 bps | |
| Loan Growth (YoY) | -45.69% | -47.98% | -47.71% | -59.45% | -65.88% | -78.02% | -86.78% | -98.93% | -3,948 bps | |
| Share Growth (YoY) | -1.67% | -3.43% | -9.32% | -18.74% | -17.24% | -6.18% | -8.05% | -0.49% | +1,824 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 17.72% | 21.51% | 19.72% | 27.52% | 9.59% | 12.25% | 9.10% | 0.00% | -2,752 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 | 5.08% | 5.96% | 6.79% | 10.08% | 14.90% | 27.12% | 51.39% | 62.09% | +5,201 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.92% | 32.28% | 31.62% | 33.36% | 32.76% | 31.15% | 30.55% | 31.11% | -225 bps | |
| Net Worth / Assets | 30.92% | 32.28% | 31.62% | 33.36% | 32.76% | 31.15% | 30.55% | 31.11% | -225 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.52% | 52.60% | 45.87% | 34.31% | 23.30% | 12.32% | 6.60% | 0.37% | -3,394 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |