San Antonio, TX · Charter 13172
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
San Antonio, TX · Charter 13172
Q3 2006
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.05% | 0.27% | 0.44% | 0.39% | -31 bps | |
| Return on Equity | 6.85% | 0.54% | 2.71% | 4.65% | 3.93% | -292 bps | |
| Net Interest Margin | 3.72% | 3.79% | 3.72% | 3.87% | 3.97% | +25 bps | |
| Efficiency Ratio | 88.26% | 83.62% | 89.93% | 87.90% | 88.30% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.59% | -0.46% | 0.00% | 3.37% | 1.79% | +21 bps | |
| Loan Growth (YoY) | 3.03% | -5.65% | -1.19% | -1.26% | -11.09% | -1,413 bps | |
| Share Growth (YoY) | 3.06% | 1.98% | 1.33% | 4.90% | 2.90% | -16 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.60% | 1.59% | 1.44% | 0.00% | 0.28% | -132 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.01% | 1.22% | 1.30% | 0.65% | 0.72% | +71 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.24% | 9.92% | 9.78% | 9.51% | 9.88% | -35 bps | |
| Net Worth / Assets | 10.24% | 9.92% | 9.78% | 9.51% | 9.88% | -35 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.86% | 74.12% | 73.11% | 66.75% | 67.27% | -1,059 bps | |
| Liquid Assets / Assets | 15.26% | 18.74% | 15.53% | 0.00% | 0.00% | -1,526 bps | |