PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

A.T. & T. Employees

Dallas, TX · Charter 67490

NCUA · 2 branches

Q3 2024

$53.7MAssets
$28.3MLoans
$45.8MShares
$8.2MNet Worth

Executive Summary

  • Earnings: ROA of -2.13%, down 201 bps year over year; NIM at 2.16%.
  • Asset quality: problem loans at 0.28% of loans (-57 bps YoY).
  • Capital: net worth / assets of 15.26%, down 35 bps from a year ago.
  • Funding: loans stand at 61.77% of shares as of Q3 2024.

Return on Assets (quarter, annualized)

-2.13%-201 bps YoY

Net Interest Margin (quarter, annualized)

2.16%+9 bps YoY

Efficiency Ratio (quarter, annualized)

165.24%+5,912 bps YoY

Net Worth / Assets

15.26%-35 bps YoY

Discrete quarter, annualized.

MetricQ4 2022Q1 2023Q2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024YoY ΔTrend
Earnings
Return on Assets0.32%0.08%-0.03%-0.12%-0.18%-0.55%-0.47%-2.13%-201 bps
Return on Equity2.19%0.56%-0.20%-0.76%-1.16%-3.54%-2.94%-13.95%-1,320 bps
Net Interest Margin2.20%2.02%2.06%2.06%2.08%1.95%2.06%2.16%+9 bps
Efficiency Ratio87.82%101.92%103.67%106.11%106.26%115.40%110.72%165.24%+5,912 bps
Growth
Asset Growth (YoY)-4.43%-5.24%-8.28%-8.33%-9.06%-6.08%-6.11%-8.36%-3 bps
Loan Growth (YoY)9.46%8.98%12.15%6.66%2.55%-2.26%-5.66%-7.40%-1,406 bps
Share Growth (YoY)-3.40%-4.79%-8.12%-8.65%-10.69%-7.24%-7.89%-10.62%-197 bps
Asset Quality
Delinquent Loans / Loans0.73%0.07%0.34%0.85%0.86%0.95%0.85%0.28%-57 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.24%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.61%14.95%15.44%15.62%15.81%15.50%15.96%15.26%-35 bps
Net Worth / Assets14.61%14.95%15.44%15.62%15.81%15.50%15.96%15.26%-35 bps
Liquidity & Funding
Loans / Shares54.12%56.93%59.74%59.62%62.14%59.98%61.19%61.77%+215 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps