Big Spring, TX · Charter 14379
Q2 2005
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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | -0.29% | -0.53% | -1.51% | -3.30% | -330 bps | |
| Return on Equity | 0.00% | -0.88% | -1.56% | -4.20% | -8.96% | -896 bps | |
| Net Interest Margin | 4.47% | 4.43% | 4.57% | 4.35% | 4.34% | -13 bps | |
| Efficiency Ratio | 99.99% | 104.35% | 107.72% | 124.54% | 153.73% | +5,374 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.27% | -14.67% | -13.02% | -17.15% | -18.84% | -556 bps | |
| Loan Growth (YoY) | -26.75% | -19.66% | -20.68% | -23.39% | -16.28% | +1,047 bps | |
| Share Growth (YoY) | -17.55% | -20.54% | -18.05% | -23.50% | -24.76% | -721 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.13% | 2.07% | 3.73% | 0.86% | 1.50% | +38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.06% | 3.89% | 3.62% | 2.42% | 2.45% | -161 bps | |
| Capital | |||||||
| Risk-Based Capital | 31.73% | 32.95% | 34.29% | 36.02% | 36.84% | +511 bps | |
| Net Worth / Assets | 31.73% | 32.95% | 34.29% | 36.02% | 36.84% | +511 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.99% | 69.70% | 70.11% | 66.15% | 70.09% | +710 bps | |
| Liquid Assets / Assets | 51.61% | 48.55% | 48.81% | 53.49% | 50.02% | -159 bps | |