Borger, TX · Charter 6625
NCUA · 1 branch
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 | -0.36% | -0.10% | 0.10% | -0.08% | 0.40% | 0.17% | 0.15% | -1.54% | -146 bps | |
| Return on Equity | -3.15% | -0.90% | 0.84% | -0.67% | 3.54% | 1.49% | 1.29% | -14.33% | -1,366 bps | |
| Net Interest Margin | 2.84% | 3.14% | 3.40% | 3.41% | 2.68% | 2.72% | 2.83% | 3.00% | -41 bps | |
| Efficiency Ratio | 104.66% | 98.03% | 93.66% | 97.93% | 90.00% | 95.44% | 96.08% | 134.15% | +3,622 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.25% | 5.49% | 6.28% | -0.65% | 0.51% | 2.45% | -0.90% | -0.57% | +7 bps | |
| Loan Growth (YoY) | -4.26% | -1.95% | -4.48% | -1.85% | 1.00% | 3.39% | 7.11% | 2.68% | +453 bps | |
| Share Growth (YoY) | 16.15% | 6.15% | 7.22% | -0.52% | 0.45% | 2.66% | -1.03% | 0.73% | +125 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.57% | 0.00% | 0.00% | 0.13% | 0.00% | 0.12% | 0.18% | 0.00% | -13 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 | 0.32% | 0.37% | 0.46% | 0.49% | 0.48% | 0.42% | 0.39% | 0.39% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.31% | 11.60% | 11.83% | 12.25% | 11.37% | 11.38% | 11.90% | 10.78% | -147 bps | |
| Net Worth / Assets | 11.31% | 11.60% | 11.83% | 12.25% | 11.37% | 11.38% | 11.90% | 10.78% | -147 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.72% | 57.11% | 56.58% | 60.60% | 55.02% | 57.52% | 61.23% | 61.77% | +117 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |