Dallas, TX · Charter 18362
Q3 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2000, the quarter ended September 30, 2000, 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.
Dallas, TX · Charter 18362
Q3 2000
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 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | 0.46% | 0.52% | 0.42% | 0.45% | +4 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | 3.90% | 3.93% | 3.88% | 3.80% | 3.81% | -8 bps | |
| Efficiency Ratio | 81.84% | 80.83% | 82.79% | 84.42% | 83.87% | +203 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.57% | 2.15% | 0.63% | 0.27% | 0.70% | -286 bps | |
| Loan Growth (YoY) | 3.12% | 4.30% | 4.60% | 3.33% | 3.06% | -7 bps | |
| Share Growth (YoY) | 3.67% | 1.97% | 0.11% | -0.11% | 0.14% | -352 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.63% | 0.57% | 0.56% | 0.45% | 0.47% | -16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.76% | 0.79% | 0.79% | 0.78% | 0.76% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.21% | 77.93% | 77.17% | 77.87% | 81.51% | +231 bps | |
| Liquid Assets / Assets | 10.21% | 11.43% | 12.62% | 11.68% | 10.19% | -2 bps | |