Abilene, TX · Charter 67446
NCUA · 1 branch
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in TX (n=233). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
82
Asset Quality
16
Profitability
20
Liquidity
98
Efficiency
26
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Abilene, TX · Charter 67446
NCUA · 1 branch
Q4 2024
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 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.14% | 0.58% | 0.31% | 0.46% | -1.85% | -1.36% | -0.41% | 0.06% | -41 bps | |
| Return on Equity | -0.62% | 2.49% | 1.30% | 1.88% | -8.26% | -7.07% | -2.00% | 0.26% | -162 bps | |
| Net Interest Margin | 2.97% | 3.09% | 3.30% | 3.25% | 0.81% | 1.55% | 2.43% | 3.01% | -24 bps | |
| Efficiency Ratio | 109.10% | 83.36% | 92.22% | 87.27% | 289% | 137.24% | 103.32% | 90.06% | +279 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.87% | -10.36% | -11.47% | -10.99% | 1.37% | 15.24% | 14.43% | 13.68% | +2,467 bps | |
| Loan Growth (YoY) | 18.46% | 8.50% | 1.94% | -1.59% | -11.18% | -21.98% | -19.63% | -15.21% | -1,361 bps | |
| Share Growth (YoY) | -9.23% | -9.13% | -13.20% | -13.94% | 2.55% | 20.94% | 19.15% | 15.14% | +2,908 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.53% | 1.80% | 2.03% | 3.03% | 5.07% | 1.80% | 0.57% | 1.61% | -142 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 | 0.20% | 0.20% | 0.20% | 0.21% | 0.07% | 0.53% | 0.25% | 0.24% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.75% | 23.19% | 24.12% | 24.78% | 22.41% | 19.29% | 20.47% | 21.28% | -351 bps | |
| Net Worth / Assets | 22.75% | 23.19% | 24.12% | 24.78% | 22.41% | 19.29% | 20.47% | 21.28% | -351 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.24% | 95.76% | 97.77% | 97.95% | 82.49% | 61.78% | 65.95% | 72.13% | -2,582 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Abilene, TX · Charter 67446 · Peer group: credit unions under $1B in assets in TX (n=233)
NCUA · 1 branch
Q4 2024
Return on Assets
0.05%
Rank 185 of 233
Net Interest Margin
3.00%
Rank 188 of 233
Efficiency Ratio
90.53%
Rank 173 of 233
Equity / Assets
21.28%
Rank 43 of 233
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.05% | 0.12% | 0.54% | 1.08% | Beats 21% | 185 / 233 | ||
| Return on Equity | 0.23% | 0.84% | 3.92% | 7.05% | Beats 20% | 186 / 233 | ||
| Net Interest Margin | 3.00% | 3.14% | 3.75% | 4.40% | Beats 19% | 188 / 233 | ||
| Efficiency Ratio | 90.53% | 70.42% | 80.73% | 90.63% | Beats 26% | 173 / 233 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.61% | 0.30% | 0.63% | 1.22% | Beats 16% | 196 / 233 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.28% | 11.13% | 13.76% | 18.98% | Beats 82% | 43 / 233 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 21.28% | 11.13% | 13.76% | 18.98% | Beats 82% | 43 / 233 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.13% | 57.18% | 72.80% | 85.52% | 47th pctl | 123 / 233 | ||
| Loans / Assets | 54.90% | 48.04% | 61.08% | 71.76% | 36th pctl | 148 / 233 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||