Dallas, TX · Charter 67582
NCUA · 1 branch
Q4 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.66% | -0.31% | 0.35% | 0.04% | -0.80% | -0.42% | -0.05% | -0.44% | -48 bps | |
| Return on Equity | -5.17% | -2.63% | 2.89% | 0.34% | -7.62% | -3.83% | -0.46% | -4.03% | -438 bps | |
| Net Interest Margin | 4.70% | 4.28% | 4.08% | 3.98% | 3.31% | 3.44% | 3.36% | 3.41% | -57 bps | |
| Efficiency Ratio | 112.87% | 106.82% | 92.95% | 99.15% | 122.42% | 110.15% | 101.16% | 110.31% | +1,116 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.10% | -1.59% | 4.32% | 10.51% | 21.10% | 9.15% | 7.48% | 2.79% | -773 bps | |
| Loan Growth (YoY) | 0.59% | -7.08% | -9.10% | -8.79% | -10.66% | -10.13% | -12.91% | -11.21% | -242 bps | |
| Share Growth (YoY) | -5.56% | -0.29% | 8.46% | 12.14% | 22.42% | 11.82% | 8.78% | 3.63% | -850 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.68% | 1.15% | 1.32% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.26% | 0.28% | 0.28% | 0.29% | 0.30% | 0.33% | 0.34% | 0.35% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.69% | 11.90% | 11.98% | 11.55% | 10.45% | 10.88% | 10.90% | 10.80% | -75 bps | |
| Net Worth / Assets | 12.69% | 11.90% | 11.98% | 11.55% | 10.45% | 10.88% | 10.90% | 10.80% | -75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.24% | 75.20% | 74.16% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |