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Abilene

Abilene, TX · Charter 6503

NCUA · 2 branches

Q4 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2022, the quarter ended December 31, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Abilene

Abilene, TX · Charter 6503

NCUA · 2 branches

Q4 2022

$29.8MAssets
$12.4MLoans
$26.2MShares
$3.1MNet Worth

Executive Summary

  • Earnings: ROA of -4.05%, down 406 bps year over year; NIM at 1.41%.
  • Asset quality: problem loans at 0.58% of loans (+19 bps YoY).
  • Capital: net worth / assets of 10.55%, down 370 bps from a year ago.
  • Funding: loans stand at 47.36% of shares as of Q4 2022.

Return on Assets (YTD, annualized)

-4.05%-406 bps YoY

Net Interest Margin (YTD, annualized)

1.41%-81 bps YoY

Efficiency Ratio (YTD, annualized)

262%+15,891 bps YoY

Net Worth / Assets

10.55%-370 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets-0.27%-0.02%0.16%0.01%0.13%-0.20%-0.26%-4.05%-406 bps
Return on Equity-1.87%-0.17%1.10%0.08%0.91%-1.46%-1.90%-38.42%-3,850 bps
Net Interest Margin2.35%2.36%2.33%2.22%1.90%1.90%2.01%1.41%-81 bps
Efficiency Ratio108.74%107.45%99.48%102.95%105.41%111.68%110.63%262%+15,891 bps
Growth
Asset Growth (YoY)13.00%6.34%7.55%6.41%3.17%5.01%2.76%-2.40%-881 bps
Loan Growth (YoY)16.07%-0.93%-4.30%-6.46%-10.15%-10.16%-7.19%-4.15%+231 bps
Share Growth (YoY)15.55%7.60%8.95%7.90%3.57%5.90%3.55%0.65%-725 bps
Asset Quality
Delinquent Loans / Loans0.48%0.32%0.43%0.39%0.30%0.29%0.12%0.58%+19 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.92%0.63%0.59%0.54%0.34%0.40%0.32%0.37%-18 bps
Capital
Risk-Based Capital14.29%14.42%14.61%14.25%13.96%13.66%13.92%10.55%-370 bps
Net Worth / Assets14.29%14.42%14.61%14.25%13.96%13.66%13.92%10.55%-370 bps
Liquidity & Funding
Loans / Shares53.82%54.44%52.42%49.74%46.69%46.19%46.98%47.36%-237 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps