Dallas, TX · Charter 67490
NCUA · 2 branches
Q3 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2024, the quarter ended September 30, 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=234). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
58
Asset Quality
65
Profitability
2
Liquidity
60
Efficiency
1
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.
Dallas, TX · Charter 67490
NCUA · 2 branches
Q3 2024
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.12% | -0.18% | -0.55% | -0.47% | -2.13% | -201 bps | |
| Return on Equity | -0.76% | -1.16% | -3.54% | -2.94% | -13.95% | -1,320 bps | |
| Net Interest Margin | 2.06% | 2.08% | 1.95% | 2.06% | 2.16% | +9 bps | |
| Efficiency Ratio | 106.11% | 106.26% | 115.40% | 110.72% | 165.24% | +5,912 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.33% | -9.06% | -6.08% | -6.11% | -8.36% | -3 bps | |
| Loan Growth (YoY) | 6.66% | 2.55% | -2.26% | -5.66% | -7.40% | -1,406 bps | |
| Share Growth (YoY) | -8.65% | -10.69% | -7.24% | -7.89% | -10.62% | -197 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.85% | 0.86% | 0.95% | 0.85% | 0.28% | -57 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.62% | 15.81% | 15.50% | 15.96% | 15.26% | -35 bps | |
| Net Worth / Assets | 15.62% | 15.81% | 15.50% | 15.96% | 15.26% | -35 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.62% | 62.14% | 59.98% | 61.19% | 61.77% | +215 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Dallas, TX · Charter 67490 · Peer group: credit unions under $1B in assets in TX (n=234)
NCUA · 2 branches
Q3 2024
Return on Assets
-2.13%
Rank 232 of 234
Net Interest Margin
2.16%
Rank 229 of 234
Efficiency Ratio
165.15%
Rank 233 of 234
Equity / Assets
15.26%
Rank 99 of 234
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.13% | 0.19% | 0.62% | 1.18% | Beats 1% | 232 / 234 | |
| Return on Equity | -13.96% | 1.13% | 4.44% | 8.04% | Beats 2% | 230 / 234 | |
| Net Interest Margin | 2.16% | 3.11% | 3.75% | 4.34% | Beats 2% | 229 / 234 | |
| Efficiency Ratio | 165.15% | 69.34% | 80.01% | 90.49% | Beats 1% | 233 / 234 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.28% | 0.18% | 0.49% | 0.97% | Beats 65% | 82 / 234 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.26% | 10.97% | 13.77% | 18.79% | Beats 58% | 99 / 234 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.26% | 10.97% | 13.77% | 18.79% | Beats 58% | 99 / 234 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.77% | 57.92% | 72.95% | 87.23% | 32nd pctl | 160 / 234 | |
| Loans / Assets | 52.65% | 48.01% | 60.74% | 72.99% | 32nd pctl | 160 / 234 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||