Roswell, NM · Charter 7999
NCUA · 1 branch
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,721 to 1,724). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
98
Asset Quality
5
Profitability
15
Liquidity
0
Efficiency
1
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Roswell, NM · Charter 7999
NCUA · 1 branch
Q4 2024
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.07% | 1.32% | -2.84% | -1.58% | -3.42% | -335 bps | |
| Return on Equity | -0.23% | 4.51% | -9.46% | -5.14% | -10.14% | -991 bps | |
| Net Interest Margin | 3.97% | 4.00% | 1.90% | 3.18% | 3.44% | -53 bps | |
| Efficiency Ratio | 96.14% | 70.48% | 233% | 127.28% | 159.43% | +6,328 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.83% | 0.00% | -8.84% | -8.62% | -18.30% | -1,246 bps | |
| Loan Growth (YoY) | -9.95% | 0.00% | -15.72% | -18.28% | -25.41% | -1,546 bps | |
| Share Growth (YoY) | -7.85% | 0.00% | -10.90% | -10.35% | -22.00% | -1,415 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.86% | 0.46% | 6.44% | 3.89% | 3.78% | -8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.71% | 0.84% | 0.69% | 0.99% | 0.71% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 30.39% | 29.20% | 30.02% | 30.81% | 33.77% | +338 bps | |
| Net Worth / Assets | 30.39% | 29.20% | 30.02% | 30.81% | 33.77% | +338 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 98.81% | 101.44% | 90.61% | 86.77% | 94.49% | -432 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Roswell, NM · Charter 7999 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 1 branch
Q4 2024
Return on Assets
-3.43%
Rank 1,705 of 1,724
Net Interest Margin
3.43%
Rank 1,015 of 1,723
Efficiency Ratio
159.56%
Rank 1,705 of 1,721
Equity / Assets
33.77%
Rank 34 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.43% | 0.25% | 0.67% | 1.13% | Beats 1% | 1,705 / 1,724 | |
| Return on Equity | -10.14% | 1.95% | 5.34% | 8.54% | Beats 4% | 1,657 / 1,723 | |
| Net Interest Margin | 3.43% | 3.03% | 3.61% | 4.27% | Beats 41% | 1,015 / 1,723 | |
| Efficiency Ratio | 159.56% | 69.84% | 78.36% | 87.50% | Beats 1% | 1,705 / 1,721 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.78% | 0.28% | 0.70% | 1.38% | Beats 5% | 1,630 / 1,721 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 33.77% | 10.16% | 12.41% | 16.03% | Beats 98% | 35 / 1,724 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 33.77% | 10.15% | 12.41% | 16.03% | Beats 98% | 34 / 1,723 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.49% | 55.95% | 72.66% | 85.34% | 90th pctl | 171 / 1,722 | |
| Loans / Assets | 62.58% | 47.91% | 62.00% | 72.82% | 52nd pctl | 832 / 1,723 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||