Big Spring, TX · Charter 67421
NCUA · 1 branch
Q4 2023
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 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | -0.28% | -0.15% | 0.14% | 0.89% | 0.73% | 0.81% | -0.28% | -42 bps | |
| Return on Equity | 0.37% | -2.45% | -1.46% | 1.19% | 7.32% | 5.65% | 6.74% | -2.29% | -348 bps | |
| Net Interest Margin | 1.96% | 1.85% | 1.82% | 2.27% | 2.92% | 3.16% | 2.99% | 3.42% | +115 bps | |
| Efficiency Ratio | 117.71% | 122.79% | 113.26% | 98.75% | 83.58% | 77.38% | 73.64% | 104.86% | +610 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.63% | 12.02% | 21.88% | 13.57% | 3.57% | -5.83% | -6.87% | -9.11% | -2,268 bps | |
| Loan Growth (YoY) | -23.57% | -23.06% | -7.05% | 4.70% | 13.16% | 8.52% | -6.29% | -2.26% | -696 bps | |
| Share Growth (YoY) | 10.03% | 14.13% | 25.74% | 15.44% | 3.67% | -7.29% | -8.59% | -10.06% | -2,550 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.16% | 0.00% | 0.71% | 0.41% | 2.18% | 2.46% | 3.29% | +258 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 | 0.81% | 0.86% | 0.77% | 0.83% | 0.54% | 0.88% | 0.92% | 1.18% | +35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.17% | 11.48% | 10.44% | 11.55% | 12.10% | 12.85% | 12.08% | 12.42% | +87 bps | |
| Net Worth / Assets | 12.17% | 11.48% | 10.44% | 11.55% | 12.10% | 12.85% | 12.08% | 12.42% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 21.73% | 19.93% | 20.65% | 22.36% | 23.72% | 23.33% | 21.17% | 24.29% | +194 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |