Dallas, TX · Charter 68325
NCUA · 2 branches
Q2 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.81% | 1.91% | -0.52% | -0.82% | -2.14% | -2.38% | -1.57% | -4.70% | -388 bps | |
| Return on Equity | 32.19% | 22.13% | -5.96% | -9.64% | -28.44% | -34.06% | -22.00% | -84.19% | -7,455 bps | |
| Net Interest Margin | 4.83% | 4.97% | 4.98% | 4.98% | 5.05% | 5.31% | 5.15% | 5.29% | +32 bps | |
| Efficiency Ratio | 69.54% | 74.79% | 92.79% | 86.59% | 94.59% | 95.21% | 102.69% | 95.61% | +902 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.32% | 8.48% | 2.53% | 0.19% | -6.61% | -11.27% | -15.53% | -19.41% | -1,960 bps | |
| Loan Growth (YoY) | 9.06% | 6.64% | 5.02% | 0.75% | -2.11% | -6.91% | -13.03% | -21.40% | -2,215 bps | |
| Share Growth (YoY) | 4.79% | 5.84% | 2.30% | 2.02% | -3.80% | -8.67% | -15.38% | -16.94% | -1,897 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.76% | 1.94% | 1.60% | 1.98% | 1.89% | 1.41% | 2.01% | 2.03% | +6 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 | 0.74% | 0.79% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.74% | 8.64% | 8.70% | 8.48% | 7.52% | 6.99% | 7.13% | 5.58% | -290 bps | |
| Net Worth / Assets | 8.74% | 8.64% | 8.70% | 8.48% | 7.52% | 6.99% | 7.13% | 5.58% | -290 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.49% | 89.97% | 91.60% | 91.86% | 90.04% | 91.70% | 94.14% | 86.93% | -493 bps | |
| Liquid Assets / Assets | 93.45% | 0.00% | 97.63% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |