San Antonio, TX · Charter 10759
Q3 2004
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.10% | 1.00% | -0.39% | -7.95% | -36.19% | -3,829 bps | |
| Return on Equity | 15.57% | 7.67% | -2.98% | -79.10% | n/a | n/a | |
| Net Interest Margin | 6.48% | 6.45% | 5.06% | 4.98% | 5.56% | -93 bps | |
| Efficiency Ratio | 50.58% | 54.25% | 69.25% | 77.06% | 86.93% | +3,634 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.16% | 13.04% | 8.11% | -4.51% | -25.52% | -3,768 bps | |
| Loan Growth (YoY) | 12.76% | 4.43% | -5.48% | -18.14% | -41.37% | -5,413 bps | |
| Share Growth (YoY) | 11.17% | 13.42% | 8.53% | 0.39% | -5.96% | -1,713 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.47% | 8.66% | 11.84% | 18.93% | 7.85% | +338 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.75% | 1.03% | 1.12% | 1.66% | 6.74% | +598 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.48% | 13.04% | 12.94% | 10.05% | -9.83% | -2,331 bps | |
| Net Worth / Assets | 13.48% | 13.04% | 12.94% | 10.05% | -9.83% | -2,331 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 102.69% | 101.38% | 94.11% | 87.76% | 64.03% | -3,866 bps | |
| Liquid Assets / Assets | 8.66% | 8.51% | 14.43% | 16.17% | 28.59% | +1,992 bps | |