Dallas, TX · Charter 67413
NCUA · 2 branches
Q2 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2022, the quarter ended June 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.
Dallas, TX · Charter 67413
NCUA · 2 branches
Q2 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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.73% | -1.00% | -0.94% | -0.25% | -0.01% | 0.10% | -1.42% | -0.51% | -26 bps | |
| Return on Equity | -11.38% | -16.96% | -16.82% | -4.32% | -0.12% | 1.70% | -24.51% | -8.48% | -417 bps | |
| Net Interest Margin | 3.81% | 3.64% | 3.04% | 3.10% | 3.07% | 3.01% | 2.93% | 3.18% | +8 bps | |
| Efficiency Ratio | 107.47% | 111.27% | 121.55% | 114.93% | 106.81% | 104.02% | 119.65% | 100.28% | -1,465 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.63% | 12.10% | 15.65% | 2.79% | 2.67% | -0.98% | -3.75% | -3.91% | -670 bps | |
| Loan Growth (YoY) | 9.41% | -3.72% | -2.09% | 3.86% | 8.05% | 6.37% | 9.04% | 6.34% | +248 bps | |
| Share Growth (YoY) | 9.22% | 18.37% | 18.47% | 3.82% | 4.03% | -0.68% | -3.68% | -3.87% | -770 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.14% | 1.04% | 1.01% | 0.54% | 0.34% | 0.47% | 0.45% | 0.27% | -27 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 | 1.65% | 1.66% | 1.61% | 0.96% | 0.69% | 0.62% | 0.76% | 0.78% | -18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.45% | 5.90% | 5.59% | 5.77% | 5.83% | 6.06% | 5.80% | 5.98% | +22 bps | |
| Net Worth / Assets | 6.45% | 5.90% | 5.59% | 5.77% | 5.83% | 6.06% | 5.80% | 5.98% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.55% | 57.54% | 54.73% | 54.27% | 63.93% | 61.62% | 61.96% | 60.04% | +577 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |