Bellaire, TX · Charter 97099
NCUA · 1 branch
Q2 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | -0.11% | -0.85% | -0.98% | -1.15% | -1.12% | -1.32% | -6.15% | -517 bps | |
| Return on Equity | 1.20% | -0.59% | -4.99% | -5.64% | -6.39% | -5.90% | -7.00% | -34.63% | -2,899 bps | |
| Net Interest Margin | 1.15% | 1.12% | 0.94% | 0.99% | 1.10% | 1.24% | 1.74% | 2.00% | +100 bps | |
| Efficiency Ratio | 94.51% | 108.10% | 168.11% | 176.88% | 182.71% | 171.86% | 151.20% | 346% | +16,898 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.07% | 2.48% | 5.02% | 0.90% | -1.61% | -7.91% | -15.32% | -19.18% | -2,009 bps | |
| Loan Growth (YoY) | -14.51% | -16.53% | -14.34% | -14.26% | -5.73% | -4.93% | -4.56% | -5.92% | +834 bps | |
| Share Growth (YoY) | 0.71% | 3.47% | 6.24% | 2.25% | 0.14% | -8.59% | -17.31% | -19.71% | -2,197 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.03% | 0.28% | 0.01% | 0.59% | 0.54% | 0.71% | 0.61% | 1.15% | +56 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 | 0.33% | 0.36% | 0.33% | 0.39% | 0.40% | 0.42% | 0.61% | 1.85% | +146 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.81% | 18.45% | 16.95% | 17.34% | 17.98% | 18.91% | 18.81% | 17.76% | +42 bps | |
| Net Worth / Assets | 18.81% | 18.45% | 16.95% | 17.34% | 17.98% | 18.91% | 18.81% | 17.76% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.10% | 24.47% | 21.52% | 21.29% | 23.63% | 25.44% | 24.84% | 24.94% | +366 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |