Monahans, TX · Charter 67571
NCUA · 3 branches
Q3 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.02% | 0.14% | 0.24% | 0.23% | 0.03% | 0.05% | -1.44% | -167 bps | |
| Return on Equity | 3.71% | 0.27% | 1.67% | 2.69% | 2.72% | 0.35% | 0.62% | -20.49% | -2,318 bps | |
| Net Interest Margin | 2.29% | 2.19% | 2.21% | 2.21% | 2.08% | 1.85% | 2.02% | 1.93% | -28 bps | |
| Efficiency Ratio | 88.88% | 93.49% | 91.67% | 90.89% | 93.35% | 101.43% | 98.87% | 144.59% | +5,370 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.89% | -1.17% | -5.71% | -6.69% | -5.32% | 5.04% | 3.11% | 10.01% | +1,670 bps | |
| Loan Growth (YoY) | 3.88% | 0.09% | -1.53% | -4.88% | -2.84% | -4.43% | 4.56% | 13.28% | +1,815 bps | |
| Share Growth (YoY) | 11.17% | -1.51% | -6.33% | -7.47% | -5.84% | 5.13% | 1.79% | 10.27% | +1,775 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.14% | 2.87% | 2.12% | 1.64% | 2.25% | 2.04% | 1.82% | 1.60% | -4 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 | 0.57% | 0.77% | 0.91% | 0.91% | 0.54% | 0.32% | 0.35% | 0.38% | -53 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.86% | 8.50% | 8.62% | 8.82% | 8.53% | 8.32% | 8.55% | 7.00% | -182 bps | |
| Net Worth / Assets | 7.86% | 8.50% | 8.62% | 8.82% | 8.53% | 8.32% | 8.55% | 7.00% | -182 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.23% | 27.02% | 26.63% | 26.62% | 26.03% | 24.56% | 27.36% | 27.35% | +72 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |