Houston, TX · Charter 9807
NCUA · 1 branch
Q4 2023
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2023, the quarter ended December 31, 2023, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Houston, TX · Charter 9807
NCUA · 1 branch
Q4 2023
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 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | -0.24% | -0.39% | -0.34% | -0.80% | -0.65% | -2.74% | -4.57% | -423 bps | |
| Return on Equity | 0.07% | -1.19% | -1.91% | -1.72% | -4.06% | -3.38% | -15.05% | -23.96% | -2,224 bps | |
| Net Interest Margin | 2.33% | 2.41% | 2.44% | 2.58% | 2.63% | 2.63% | 2.81% | 1.50% | -108 bps | |
| Efficiency Ratio | 99.59% | 108.06% | 113.41% | 111.19% | 127.41% | 122.77% | 190.52% | 360% | +24,926 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.32% | -0.39% | -3.11% | -6.81% | -5.44% | 0.27% | -0.28% | -16.36% | -955 bps | |
| Loan Growth (YoY) | -4.45% | -7.70% | -2.38% | 4.19% | 7.69% | 33.91% | 31.91% | 18.95% | +1,476 bps | |
| Share Growth (YoY) | 3.56% | -0.37% | -3.30% | -8.55% | -4.56% | -1.92% | 1.24% | -13.62% | -506 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.86% | 5.01% | 3.08% | 4.25% | 2.11% | 3.74% | 2.82% | 1.82% | -243 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 | 1.69% | 1.78% | 1.79% | 1.64% | 1.13% | 0.96% | 0.98% | 0.89% | -75 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.35% | 20.04% | 20.48% | 19.80% | 19.70% | 19.24% | 18.21% | 19.09% | -70 bps | |
| Net Worth / Assets | 19.35% | 20.04% | 20.48% | 19.80% | 19.70% | 19.24% | 18.21% | 19.09% | -70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.39% | 46.16% | 47.15% | 51.60% | 53.48% | 63.02% | 61.43% | 71.06% | +1,945 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |