Houston, TX · Charter 67588
NCUA · 1 branch
Q3 2023
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 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.29% | -0.03% | -0.56% | -0.73% | -0.65% | 1.18% | -0.13% | 0.12% | +85 bps | |
| Return on Equity | -4.13% | -0.40% | -8.61% | -11.69% | -9.94% | 17.67% | -1.94% | 1.70% | +1,340 bps | |
| Net Interest Margin | 3.47% | 3.19% | 3.45% | 3.60% | 4.00% | 4.91% | 4.82% | 4.82% | +121 bps | |
| Efficiency Ratio | 101.70% | 107.31% | 102.44% | 96.52% | 95.16% | 79.81% | 81.82% | 81.89% | -1,462 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.34% | 4.37% | 5.00% | 2.46% | -4.39% | -8.82% | -10.01% | -10.51% | -1,297 bps | |
| Loan Growth (YoY) | 2.81% | 1.86% | 1.27% | 9.98% | 0.23% | 3.23% | 4.48% | 2.64% | -734 bps | |
| Share Growth (YoY) | 1.84% | 5.14% | 6.19% | 4.03% | -3.25% | -11.75% | -10.57% | -16.59% | -2,062 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.42% | 0.64% | 1.18% | 1.49% | 2.47% | 0.41% | 1.70% | 2.37% | +88 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 | 0.60% | 0.50% | 0.92% | 0.88% | 1.51% | 0.97% | 1.07% | 1.13% | +25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.91% | 6.56% | 6.55% | 6.27% | 6.58% | 6.68% | 6.85% | 7.04% | +77 bps | |
| Net Worth / Assets | 6.91% | 6.56% | 6.55% | 6.27% | 6.58% | 6.68% | 6.85% | 7.04% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.12% | 73.32% | 75.88% | 81.71% | 81.97% | 85.77% | 88.65% | 100.55% | +1,883 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |