Corpus Christi, TX · Charter 11070
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Corpus Christi, TX · Charter 11070
Q2 2012
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.52% | 2.37% | 2.27% | 2.30% | 2.91% | +39 bps | |
| Return on Equity | 24.85% | 23.15% | 22.24% | 22.44% | 26.32% | +147 bps | |
| Net Interest Margin | 7.31% | 7.09% | 6.83% | 7.77% | 7.91% | +60 bps | |
| Efficiency Ratio | 60.21% | 61.81% | 63.44% | 72.00% | 67.60% | +739 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 39.81% | 40.08% | 33.71% | 24.51% | 18.88% | -2,093 bps | |
| Loan Growth (YoY) | 47.63% | 38.38% | 27.56% | 20.20% | 14.90% | -3,273 bps | |
| Share Growth (YoY) | 37.63% | 40.54% | 35.73% | 25.03% | 19.71% | -1,792 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.74% | 0.71% | 0.77% | 0.44% | 0.67% | -7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.79% | 0.82% | 0.73% | 0.73% | 0.62% | -17 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.15% | 10.24% | 10.20% | 10.26% | 11.07% | +92 bps | |
| Net Worth / Assets | 10.15% | 10.24% | 10.20% | 10.26% | 11.07% | +92 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 98.19% | 93.62% | 93.29% | 95.59% | 94.25% | -394 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |