Henderson, TX · Charter 11344
Q4 2008
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.40% | 0.40% | 0.43% | 0.13% | -0.14% | +426 bps | |
| Return on Equity | -63.05% | 6.32% | 5.99% | 1.78% | -1.92% | +6,112 bps | |
| Net Interest Margin | 4.35% | 4.44% | 4.54% | 4.82% | 4.90% | +56 bps | |
| Efficiency Ratio | 85.69% | 90.97% | 90.58% | 97.27% | 102.93% | +1,725 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.78% | 16.53% | 1.15% | -5.14% | -8.73% | -1,251 bps | |
| Loan Growth (YoY) | 15.29% | 6.82% | -5.11% | -17.83% | -33.01% | -4,830 bps | |
| Share Growth (YoY) | 12.84% | 25.95% | 9.37% | -1.30% | -9.01% | -2,185 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 14.52% | 12.34% | 13.68% | 15.83% | 15.76% | +124 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.12% | 4.83% | 4.87% | 4.39% | 2.88% | -225 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.98% | 6.39% | 7.19% | 7.41% | 7.51% | +52 bps | |
| Net Worth / Assets | 6.98% | 6.39% | 7.19% | 7.41% | 7.51% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 103.40% | 86.37% | 91.24% | 85.83% | 76.12% | -2,728 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |