Irving, TX · Charter 20527
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 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.
Irving, TX · Charter 20527
Q4 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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1269% | -17.25% | -17.77% | -216% | -4643% | -337,407 bps | |
| Return on Equity | -1286% | -17.43% | -17.77% | -217% | -4724% | -343,845 bps | |
| Net Interest Margin | -1142% | 0.09% | 0.05% | 0.08% | -1014% | +12,797 bps | |
| Efficiency Ratio | n/a | 19077% | 37177% | 281377% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -98.43% | -98.50% | -98.46% | -73.48% | -97.64% | +80 bps | |
| Loan Growth (YoY) | -100.00% | -100.00% | -100.00% | -100.00% | n/a | n/a | |
| Share Growth (YoY) | -100.00% | -100.00% | -100.00% | -100.00% | n/a | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 98.71% | 98.95% | 100.00% | 99.89% | 98.29% | -43 bps | |
| Net Worth / Assets | 98.71% | 98.95% | 100.00% | 99.89% | 98.29% | -43 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | n/a | n/a | n/a | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |