El Paso, TX · Charter 14237
Q4 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | 2.37% | 2.45% | 2.16% | 1.99% | +195 bps | |
| Return on Equity | 0.47% | 60.10% | 63.82% | 49.62% | 41.08% | +4,061 bps | |
| Net Interest Margin | 3.31% | 4.48% | 4.81% | 4.95% | 5.04% | +172 bps | |
| Efficiency Ratio | 66.04% | 47.62% | 44.14% | 45.23% | 45.91% | -2,013 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.79% | 62.57% | 65.26% | -12.90% | -13.16% | +163 bps | |
| Loan Growth (YoY) | -36.58% | -51.30% | -54.97% | -52.39% | -53.46% | -1,688 bps | |
| Share Growth (YoY) | -14.28% | 79.61% | 82.36% | -10.35% | -10.98% | +330 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 37.39% | 18.83% | 19.47% | 23.21% | 30.01% | -738 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.88% | 6.78% | 15.64% | 19.54% | 26.60% | +2,272 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.46% | 3.94% | 3.83% | 4.36% | 4.84% | -262 bps | |
| Net Worth / Assets | 7.46% | 3.94% | 3.83% | 4.36% | 4.84% | -262 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 21.44% | 14.59% | 13.32% | 12.95% | 11.21% | -1,023 bps | |
| Liquid Assets / Assets | 77.11% | 83.22% | 84.73% | 86.83% | 88.16% | +1,105 bps | |