Garland, TX · Charter 20151
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Garland, TX · Charter 20151
Q1 2008
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 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | -2.15% | -1.80% | -1.54% | -0.98% | -97 bps | |
| Return on Equity | -0.07% | -43.51% | -33.64% | -24.49% | -15.68% | -1,561 bps | |
| Net Interest Margin | 3.91% | 4.21% | 4.80% | 5.50% | 0.69% | -322 bps | |
| Efficiency Ratio | 98.62% | 105.41% | 106.70% | 101.52% | 173.00% | +7,438 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.82% | -11.14% | -16.29% | -22.55% | -25.59% | -2,177 bps | |
| Loan Growth (YoY) | -22.15% | -21.97% | -21.99% | -17.77% | -15.61% | +653 bps | |
| Share Growth (YoY) | -1.27% | -8.50% | -13.76% | -23.79% | -26.30% | -2,503 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.44% | 2.70% | 3.33% | 6.87% | 3.31% | +87 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.70% | 2.53% | 1.79% | 2.02% | 2.07% | +137 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.71% | 4.94% | 5.35% | 6.29% | 6.22% | +50 bps | |
| Net Worth / Assets | 5.71% | 4.94% | 5.35% | 6.29% | 6.22% | +50 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.56% | 53.64% | 56.54% | 61.70% | 61.32% | +777 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |