Fort Worth, TX · Charter 678
NCUA · 1 branch
Q4 2024
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 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.22% | -0.16% | -0.16% | -0.54% | -3.37% | -4.18% | -4.39% | -3.86% | -332 bps | |
| Return on Equity | -2.95% | -2.18% | -2.01% | -7.51% | -52.12% | -74.79% | -85.06% | -86.27% | -7,876 bps | |
| Net Interest Margin | 3.59% | 3.55% | 3.84% | 3.88% | 2.53% | 2.56% | 2.85% | 2.94% | -95 bps | |
| Efficiency Ratio | 103.36% | 102.24% | 95.32% | 98.69% | 170.74% | 177.66% | 173.60% | 166.64% | +6,795 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.06% | 17.86% | -4.91% | -6.79% | -5.83% | -13.77% | -14.91% | -14.95% | -816 bps | |
| Loan Growth (YoY) | 20.27% | 14.79% | -8.96% | -14.48% | -11.83% | -16.38% | -19.55% | -28.39% | -1,391 bps | |
| Share Growth (YoY) | 21.91% | 13.39% | -3.36% | -6.20% | -5.14% | -7.50% | -10.39% | -12.80% | -661 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 3.08% | 1.42% | 0.90% | 4.99% | 9.92% | 16.19% | 12.85% | +1,195 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.47% | 7.15% | 7.75% | 7.23% | 6.47% | 5.58% | 5.16% | 4.48% | -275 bps | |
| Net Worth / Assets | 7.47% | 7.15% | 7.75% | 7.23% | 6.47% | 5.58% | 5.16% | 4.48% | -275 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.54% | 99.36% | 98.57% | 94.48% | 89.73% | 89.82% | 88.50% | 77.59% | -1,689 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 99.69% | 0.00% | 0.00% | 0.00% | 0 bps | |