Denison, TX · Charter 12864
Q1 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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.30% | 0.07% | -0.09% | -5.52% | -601 bps | |
| Return on Equity | 2.40% | 1.45% | 0.34% | -0.43% | -27.56% | -2,995 bps | |
| Net Interest Margin | 4.57% | 4.44% | 3.97% | 4.26% | 1.41% | -315 bps | |
| Efficiency Ratio | 78.82% | 82.09% | 91.39% | 89.96% | 447% | +36,821 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.95% | 1.98% | 4.42% | 0.10% | -5.80% | -875 bps | |
| Loan Growth (YoY) | -5.35% | -11.74% | -14.51% | -22.43% | -16.59% | -1,125 bps | |
| Share Growth (YoY) | 3.19% | 2.22% | 5.85% | 0.23% | -4.68% | -787 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.40% | 4.16% | 4.34% | 0.36% | 0.23% | -416 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.63% | 1.65% | 1.29% | 1.60% | 1.77% | +13 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.37% | 20.64% | 19.97% | 20.76% | 20.02% | -35 bps | |
| Net Worth / Assets | 20.37% | 20.64% | 19.97% | 20.76% | 20.02% | -35 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.53% | 80.31% | 76.04% | 72.62% | 73.97% | -1,056 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |