Arlington, TX · Charter 17540
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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.
Arlington, TX · Charter 17540
Q3 2013
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.20% | 0.14% | -0.71% | -0.62% | -0.60% | -79 bps | |
| Return on Equity | 2.68% | 1.80% | -10.07% | -8.80% | -8.36% | -1,104 bps | |
| Net Interest Margin | 3.30% | 3.33% | 3.02% | 3.03% | 3.10% | -20 bps | |
| Efficiency Ratio | 91.35% | 90.93% | 110.30% | 107.32% | 104.92% | +1,357 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.50% | 2.17% | 0.18% | -0.83% | -2.44% | -693 bps | |
| Loan Growth (YoY) | 3.22% | 1.96% | -2.45% | -6.69% | -7.32% | -1,053 bps | |
| Share Growth (YoY) | 4.25% | 2.27% | -0.04% | -0.53% | -2.19% | -644 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.73% | 0.71% | 0.81% | 0.78% | 0.77% | +3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.29% | 0.38% | 0.35% | 0.44% | 0.47% | +18 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.41% | 7.52% | 7.05% | 7.01% | 7.13% | -28 bps | |
| Net Worth / Assets | 7.41% | 7.52% | 7.05% | 7.01% | 7.13% | -28 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.17% | 74.48% | 68.43% | 67.50% | 70.28% | -388 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |