Abilene, TX · Charter 67446
NCUA · 1 branch
Q4 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |