Roswell, NM · Charter 7999
NCUA · 1 branch
Q4 2024
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 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.32% | 0.48% | 0.13% | -0.07% | 1.32% | -2.84% | -1.58% | -3.42% | -335 bps | |
| Return on Equity | 4.51% | 1.66% | 0.43% | -0.23% | 4.51% | -9.46% | -5.14% | -10.14% | -991 bps | |
| Net Interest Margin | 4.00% | 3.90% | 3.87% | 3.97% | 4.00% | 1.90% | 3.18% | 3.44% | -53 bps | |
| Efficiency Ratio | 70.48% | 83.68% | 90.04% | 96.14% | 70.48% | 233% | 127.28% | 159.43% | +6,328 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.39% | -2.52% | -2.46% | -5.83% | 0.00% | -8.84% | -8.62% | -18.30% | -1,246 bps | |
| Loan Growth (YoY) | 12.44% | 2.73% | -8.11% | -9.95% | 0.00% | -15.72% | -18.28% | -25.41% | -1,546 bps | |
| Share Growth (YoY) | -17.29% | -3.91% | -3.58% | -7.85% | 0.00% | -10.90% | -10.35% | -22.00% | -1,415 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 3.93% | 2.88% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.84% | 0.82% | 0.83% | 0.71% | 0.84% | 0.69% | 0.99% | 0.71% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 29.20% | 28.98% | 29.40% | 30.39% | 29.20% | 30.02% | 30.81% | 33.77% | +338 bps | |
| Net Worth / Assets | 29.20% | 28.98% | 29.40% | 30.39% | 29.20% | 30.02% | 30.81% | 33.77% | +338 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.44% | 95.80% | 95.19% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |