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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |