Fort Worth, TX · Charter 67652
NCUA · 2 branches
Q1 2021
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 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.26% | -0.35% | -0.49% | -0.64% | -0.43% | 0.11% | 0.18% | 0.71% | +135 bps | |
| Return on Equity | -3.51% | -4.74% | -6.97% | -9.27% | -6.61% | 1.66% | 2.70% | 9.97% | +1,925 bps | |
| Net Interest Margin | 2.98% | 2.99% | 2.96% | 3.13% | 2.86% | 2.82% | 2.81% | 2.63% | -50 bps | |
| Efficiency Ratio | 108.00% | 108.02% | 105.08% | 101.00% | 100.65% | 89.81% | 88.71% | 80.04% | -2,096 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.12% | -1.34% | 3.06% | 1.14% | 5.56% | 7.33% | 6.31% | 5.88% | +474 bps | |
| Loan Growth (YoY) | -7.75% | -10.30% | -6.66% | 6.85% | 4.72% | 1.40% | -3.03% | -15.56% | -2,241 bps | |
| Share Growth (YoY) | 0.55% | 1.00% | 4.10% | 2.74% | 7.36% | 9.55% | 7.06% | 5.69% | +295 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.51% | 0.68% | 0.44% | 0.28% | 0.44% | 0.48% | 0.72% | 0.47% | +19 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 | 0.52% | 0.45% | 0.49% | 0.48% | 0.51% | 0.51% | 0.53% | 0.53% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.39% | 7.31% | 7.02% | 6.94% | 6.45% | 6.68% | 6.79% | 7.07% | +13 bps | |
| Net Worth / Assets | 7.39% | 7.31% | 7.02% | 6.94% | 6.45% | 6.68% | 6.79% | 7.07% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.98% | 85.77% | 83.79% | 90.95% | 83.86% | 79.39% | 75.89% | 72.66% | -1,828 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |