Marshall, TX · Charter 10472
Q2 2006
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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.76% | -1.76% | -1.87% | -15.80% | -9.26% | -750 bps | |
| Return on Equity | -5.18% | -4.99% | -5.32% | -47.63% | -27.97% | -2,279 bps | |
| Net Interest Margin | 2.50% | 2.67% | 2.73% | 3.09% | 3.82% | +132 bps | |
| Efficiency Ratio | 168.31% | 164.35% | 167.23% | 605% | 339% | +17,101 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.04% | -14.81% | -12.03% | -11.91% | -12.87% | -184 bps | |
| Loan Growth (YoY) | -43.23% | -43.67% | -59.14% | -60.39% | -57.03% | -1,380 bps | |
| Share Growth (YoY) | -14.35% | -17.97% | -14.07% | -11.87% | -14.36% | -1 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 10.66% | 12.75% | 19.26% | 22.11% | 24.80% | +1,414 bps | |
| Capital | |||||||
| Risk-Based Capital | 34.05% | 35.36% | 35.18% | 33.17% | 33.12% | -94 bps | |
| Net Worth / Assets | 34.05% | 35.36% | 35.18% | 33.17% | 33.12% | -94 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 3.39% | 2.98% | 2.00% | 1.84% | 1.70% | -169 bps | |
| Liquid Assets / Assets | 25.47% | 43.57% | 54.85% | 47.77% | 0.00% | -2,547 bps | |