Lone Star, TX · Charter 68432
NCUA · 7 branches
Q2 2022
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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.40% | 0.83% | 0.57% | 0.77% | 0.68% | 0.76% | 0.41% | -16 bps | |
| Return on Equity | 3.99% | 3.96% | 8.42% | 5.91% | 7.70% | 6.50% | 6.97% | 3.64% | -227 bps | |
| Net Interest Margin | 2.63% | 2.59% | 2.37% | 2.33% | 2.39% | 2.50% | 2.44% | 2.55% | +22 bps | |
| Efficiency Ratio | 87.02% | 87.62% | 80.75% | 84.71% | 81.61% | 83.87% | 83.57% | 90.42% | +571 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.72% | 19.42% | 18.06% | 9.83% | 9.04% | 4.08% | -3.62% | -9.57% | -1,940 bps | |
| Loan Growth (YoY) | 1.50% | -1.12% | -1.30% | 1.76% | 0.90% | -1.54% | -2.00% | -3.70% | -546 bps | |
| Share Growth (YoY) | 21.57% | 21.10% | 20.65% | 11.41% | 10.20% | 5.12% | -2.02% | -6.66% | -1,807 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.76% | 0.86% | 0.48% | 1.29% | 0.45% | 0.12% | 0.07% | 0.36% | -93 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 | 1.08% | 1.10% | 1.08% | 1.13% | 1.09% | 0.72% | 0.70% | 0.72% | -41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.15% | 10.16% | 9.83% | 9.61% | 9.98% | 10.44% | 10.87% | 11.23% | +162 bps | |
| Net Worth / Assets | 10.15% | 10.16% | 9.83% | 9.61% | 9.98% | 10.44% | 10.87% | 11.23% | +162 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.28% | 53.30% | 49.62% | 49.04% | 49.70% | 49.92% | 49.63% | 50.60% | +155 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |