Coppell, TX · Charter 18369
Q3 2011
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.81% | -3.04% | -48.30% | -35.81% | -33.84% | -3,003 bps | |
| Return on Equity | -10.88% | -8.58% | -180.33% | -150.61% | -152.68% | -14,180 bps | |
| Net Interest Margin | 4.03% | 4.42% | -33.76% | -22.34% | -15.37% | -1,940 bps | |
| Efficiency Ratio | 169.38% | 127.27% | n/a | n/a | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -11.88% | -21.19% | -25.12% | -27.50% | -30.25% | -1,837 bps | |
| Loan Growth (YoY) | -1.00% | -6.54% | -3.11% | -9.33% | -12.99% | -1,199 bps | |
| Share Growth (YoY) | -13.97% | -25.19% | -20.69% | -18.24% | -18.28% | -431 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.33% | 3.53% | 6.26% | 2.41% | 3.95% | +62 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.60% | 1.55% | 4.09% | 4.07% | 3.85% | +225 bps | |
| Capital | |||||||
| Risk-Based Capital | 35.00% | 35.42% | 26.79% | 23.78% | 22.16% | -1,284 bps | |
| Net Worth / Assets | 35.00% | 35.42% | 26.79% | 23.78% | 22.16% | -1,284 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.59% | 83.41% | 87.98% | 80.65% | 85.81% | +522 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |