Dallas, TX · Charter 12520
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Dallas, TX · Charter 12520
Q3 2004
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | 0.81% | 0.61% | 0.55% | 0.67% | -25 bps | |
| Return on Equity | 8.95% | 7.40% | 6.33% | 5.65% | 6.99% | -196 bps | |
| Net Interest Margin | 3.38% | 3.59% | 3.03% | 2.99% | 2.97% | -41 bps | |
| Efficiency Ratio | 78.70% | 81.88% | 82.47% | 83.57% | 80.53% | +183 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.71% | 4.38% | 9.55% | 9.45% | 13.59% | +488 bps | |
| Loan Growth (YoY) | 23.40% | 24.22% | 14.70% | 8.86% | 9.66% | -1,375 bps | |
| Share Growth (YoY) | 4.68% | 3.64% | 9.84% | 9.76% | 8.80% | +412 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.19% | 0.20% | 0.22% | 0.21% | 0.24% | +5 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.42% | 0.40% | 0.39% | 0.38% | 0.36% | -6 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.24% | 10.89% | 9.68% | 9.79% | 9.58% | -66 bps | |
| Net Worth / Assets | 10.24% | 10.89% | 9.68% | 9.79% | 9.58% | -66 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.94% | 93.70% | 79.45% | 82.58% | 94.68% | +74 bps | |
| Liquid Assets / Assets | 4.32% | 2.49% | 19.23% | 12.41% | 6.14% | +182 bps | |