PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

PTS

Fort Worth, TX · Charter 678

NCUA · 1 branch

Q4 2024

$19.2MAssets
$14.1MLoans
$18.1MShares
$858KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -3.86%, down 332 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 12.85% of loans (+1,195 bps YoY).
  • Capital: net worth / assets of 4.48%, down 275 bps from a year ago.
  • Funding: loans stand at 77.59% of shares as of Q4 2024.

Financial Results

Return on Assets (YTD, annualized)

-3.86%-332 bps YoY

Net Interest Margin (YTD, annualized)

2.94%-95 bps YoY

Efficiency Ratio (YTD, annualized)

166.64%+6,795 bps YoY

Net Worth / Assets

4.48%-275 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2023Q1 2024Q2 2024Q3 2024Q4 2024YoY ΔTrend
Earnings
Return on Assets-0.54%-3.37%-4.18%-4.39%-3.86%-332 bps
Return on Equity-7.51%-52.12%-74.79%-85.06%-86.27%-7,876 bps
Net Interest Margin3.88%2.53%2.56%2.85%2.94%-95 bps
Efficiency Ratio98.69%170.74%177.66%173.60%166.64%+6,795 bps
Growth
Asset Growth (YoY)-6.79%-5.83%-13.77%-14.91%-14.95%-816 bps
Loan Growth (YoY)-14.48%-11.83%-16.38%-19.55%-28.39%-1,391 bps
Share Growth (YoY)-6.20%-5.14%-7.50%-10.39%-12.80%-661 bps
Asset Quality
Delinquent Loans / Loans0.90%4.99%9.92%16.19%12.85%+1,195 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.23%6.47%5.58%5.16%4.48%-275 bps
Net Worth / Assets7.23%6.47%5.58%5.16%4.48%-275 bps
Liquidity & Funding
Loans / Shares94.48%89.73%89.82%88.50%77.59%-1,689 bps
Liquid Assets / Assets0.00%99.69%0.00%0.00%0.00%0 bps