Port Arthur, TX · Charter 67462
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 | -2.02% | 1.83% | -2.78% | 0.72% | -7.34% | -18.05% | -15.04% | -8.03% | -875 bps | |
| Return on Equity | -11.02% | 9.40% | -16.16% | 3.65% | -40.99% | -146.15% | -106.13% | -43.33% | -4,698 bps | |
| Net Interest Margin | 13.05% | 12.08% | 12.07% | 11.55% | 9.56% | 10.24% | 12.75% | 13.38% | +183 bps | |
| Efficiency Ratio | 105.44% | 94.57% | 91.33% | 91.92% | 121.73% | 119.31% | 112.46% | 121.90% | +2,998 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -24.84% | -22.17% | -21.26% | -15.77% | -1.08% | -9.93% | -21.33% | -24.39% | -862 bps | |
| Loan Growth (YoY) | -26.50% | -21.74% | -25.67% | -21.22% | -14.88% | -10.06% | -1.19% | -9.22% | +1,199 bps | |
| Share Growth (YoY) | -20.85% | -18.67% | -18.96% | -19.48% | -0.64% | -2.18% | -18.79% | -23.37% | -389 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 15.40% | 12.87% | 6.87% | 6.82% | 12.21% | 12.39% | 11.63% | 7.91% | +109 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 | 11.09% | 10.58% | 12.37% | 8.72% | 8.12% | 15.32% | 14.51% | 10.25% | +153 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.30% | 19.46% | 17.21% | 19.62% | 17.90% | 12.35% | 14.17% | 18.53% | -109 bps | |
| Net Worth / Assets | 18.30% | 19.46% | 17.21% | 19.62% | 17.90% | 12.35% | 14.17% | 18.53% | -109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.07% | 89.70% | 83.02% | 83.39% | 79.72% | 82.48% | 101.02% | 98.78% | +1,539 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |