Abilene, TX · Charter 6503
NCUA · 2 branches
Q4 2022
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.01% | 0.13% | -0.20% | -0.26% | -4.05% | -406 bps | |
| Return on Equity | 0.08% | 0.91% | -1.46% | -1.90% | -38.42% | -3,850 bps | |
| Net Interest Margin | 2.22% | 1.90% | 1.90% | 2.01% | 1.41% | -81 bps | |
| Efficiency Ratio | 102.95% | 105.41% | 111.68% | 110.63% | 262% | +15,891 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.41% | 3.17% | 5.01% | 2.76% | -2.40% | -881 bps | |
| Loan Growth (YoY) | -6.46% | -10.15% | -10.16% | -7.19% | -4.15% | +231 bps | |
| Share Growth (YoY) | 7.90% | 3.57% | 5.90% | 3.55% | 0.65% | -725 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.39% | 0.30% | 0.29% | 0.12% | 0.58% | +19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.54% | 0.34% | 0.40% | 0.32% | 0.37% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.25% | 13.96% | 13.66% | 13.92% | 10.55% | -370 bps | |
| Net Worth / Assets | 14.25% | 13.96% | 13.66% | 13.92% | 10.55% | -370 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.74% | 46.69% | 46.19% | 46.98% | 47.36% | -237 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |