Dallas, TX · Charter 67490
NCUA · 2 branches
Q3 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 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.08% | -0.03% | -0.12% | -0.18% | -0.55% | -0.47% | -2.13% | -201 bps | |
| Return on Equity | 2.19% | 0.56% | -0.20% | -0.76% | -1.16% | -3.54% | -2.94% | -13.95% | -1,320 bps | |
| Net Interest Margin | 2.20% | 2.02% | 2.06% | 2.06% | 2.08% | 1.95% | 2.06% | 2.16% | +9 bps | |
| Efficiency Ratio | 87.82% | 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 / Loans | 0.73% | 0.07% | 0.34% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.24% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.61% | 14.95% | 15.44% | 15.62% | 15.81% | 15.50% | 15.96% | 15.26% | -35 bps | |
| Net Worth / Assets | 14.61% | 14.95% | 15.44% | 15.62% | 15.81% | 15.50% | 15.96% | 15.26% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.12% | 56.93% | 59.74% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |