Houston, TX · Charter 7482
NCUA · 2 branches
Q1 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.32% | -0.10% | -0.31% | -0.56% | -3.50% | -318 bps | |
| Return on Equity | -3.76% | -1.23% | -3.52% | -6.59% | -61.69% | -5,793 bps | |
| Net Interest Margin | 3.91% | 3.95% | 4.21% | 4.21% | 3.79% | -11 bps | |
| Efficiency Ratio | 103.66% | 98.08% | 98.11% | 98.61% | 160.99% | +5,734 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.03% | -3.31% | -5.89% | -6.23% | -1.34% | +369 bps | |
| Loan Growth (YoY) | -3.00% | -5.28% | -9.44% | -15.89% | -14.42% | -1,143 bps | |
| Share Growth (YoY) | -5.18% | -3.34% | -5.73% | -6.53% | -0.10% | +508 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.80% | 0.45% | 0.95% | 0.94% | 0.90% | +10 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.46% | 8.55% | 8.84% | 8.52% | 5.67% | -279 bps | |
| Net Worth / Assets | 8.46% | 8.55% | 8.84% | 8.52% | 5.67% | -279 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.53% | 89.35% | 90.10% | 85.72% | 76.69% | -1,284 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |