Houston, TX · Charter 9807
NCUA · 1 branch
Q4 2023
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 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.34% | -0.80% | -0.65% | -2.74% | -4.57% | -423 bps | |
| Return on Equity | -1.72% | -4.06% | -3.38% | -15.05% | -23.96% | -2,224 bps | |
| Net Interest Margin | 2.58% | 2.63% | 2.63% | 2.81% | 1.50% | -108 bps | |
| Efficiency Ratio | 111.19% | 127.41% | 122.77% | 190.52% | 360% | +24,926 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.81% | -5.44% | 0.27% | -0.28% | -16.36% | -955 bps | |
| Loan Growth (YoY) | 4.19% | 7.69% | 33.91% | 31.91% | 18.95% | +1,476 bps | |
| Share Growth (YoY) | -8.55% | -4.56% | -1.92% | 1.24% | -13.62% | -506 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.64% | 1.13% | 0.96% | 0.98% | 0.89% | -75 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.80% | 19.70% | 19.24% | 18.21% | 19.09% | -70 bps | |
| Net Worth / Assets | 19.80% | 19.70% | 19.24% | 18.21% | 19.09% | -70 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |