Abilene, TX · Charter 6503
NCUA · 2 branches
Q4 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 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 2.35% | 2.36% | 2.33% | 2.22% | 1.90% | 1.90% | 2.01% | 1.41% | -81 bps | |
| Efficiency Ratio | 108.74% | 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 / Loans | 0.48% | 0.32% | 0.43% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.92% | 0.63% | 0.59% | 0.54% | 0.34% | 0.40% | 0.32% | 0.37% | -18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.29% | 14.42% | 14.61% | 14.25% | 13.96% | 13.66% | 13.92% | 10.55% | -370 bps | |
| Net Worth / Assets | 14.29% | 14.42% | 14.61% | 14.25% | 13.96% | 13.66% | 13.92% | 10.55% | -370 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.82% | 54.44% | 52.42% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |