Nederland, TX · Charter 1285
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 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.
Nederland, TX · Charter 1285
Q1 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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | 1.00% | 0.11% | 0.44% | 0.28% | -50 bps | |
| Return on Equity | 9.22% | 11.16% | 1.27% | 4.87% | 2.88% | -635 bps | |
| Net Interest Margin | 5.41% | 5.43% | 5.47% | 5.19% | 4.32% | -109 bps | |
| Efficiency Ratio | 82.78% | 81.87% | 85.23% | 73.91% | 94.78% | +1,201 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.53% | -18.86% | -18.63% | -6.57% | -9.95% | -343 bps | |
| Loan Growth (YoY) | -22.38% | -27.40% | -28.25% | -24.72% | -19.75% | +263 bps | |
| Share Growth (YoY) | -5.26% | -19.05% | -18.40% | -7.46% | -11.10% | -584 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.34% | 2.96% | 4.07% | 4.76% | 5.29% | +95 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.79% | 2.23% | 2.27% | 2.74% | 1.14% | -165 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.40% | 8.95% | 8.88% | 9.13% | 9.65% | +125 bps | |
| Net Worth / Assets | 8.40% | 8.95% | 8.88% | 9.13% | 9.65% | +125 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.27% | 74.89% | 74.01% | 70.72% | 69.75% | -752 bps | |
| Liquid Assets / Assets | 22.76% | 25.08% | 25.05% | 28.40% | 27.82% | +506 bps | |