Dallas, TX · Charter 67582
NCUA · 1 branch
Q4 2021
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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | -0.80% | -0.42% | -0.05% | -0.44% | -48 bps | |
| Return on Equity | 0.34% | -7.62% | -3.83% | -0.46% | -4.03% | -438 bps | |
| Net Interest Margin | 3.98% | 3.31% | 3.44% | 3.36% | 3.41% | -57 bps | |
| Efficiency Ratio | 99.15% | 122.42% | 110.15% | 101.16% | 110.31% | +1,116 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.51% | 21.10% | 9.15% | 7.48% | 2.79% | -773 bps | |
| Loan Growth (YoY) | -8.79% | -10.66% | -10.13% | -12.91% | -11.21% | -242 bps | |
| Share Growth (YoY) | 12.14% | 22.42% | 11.82% | 8.78% | 3.63% | -850 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.11% | 1.33% | 1.55% | 1.46% | 0.85% | -26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.29% | 0.30% | 0.33% | 0.34% | 0.35% | +6 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.55% | 10.45% | 10.88% | 10.90% | 10.80% | -75 bps | |
| Net Worth / Assets | 11.55% | 10.45% | 10.88% | 10.90% | 10.80% | -75 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.50% | 62.94% | 60.44% | 59.38% | 61.26% | -1,024 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |