Dallas, TX · Charter 21099
Q4 2007
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.48% | 0.82% | 0.58% | 0.14% | 0.17% | -31 bps | |
| Return on Equity | 3.04% | 5.23% | 3.61% | 0.90% | 1.01% | -203 bps | |
| Net Interest Margin | 4.04% | 3.97% | 4.05% | 4.04% | 4.24% | +20 bps | |
| Efficiency Ratio | 83.21% | 95.76% | 91.94% | 90.31% | 89.67% | +647 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.05% | -3.49% | -0.42% | -1.22% | -3.62% | -158 bps | |
| Loan Growth (YoY) | -13.95% | -14.81% | -14.59% | -15.91% | -14.62% | -67 bps | |
| Share Growth (YoY) | -2.79% | -4.61% | -1.46% | -1.61% | -4.35% | -155 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.06% | 0.62% | 0.62% | 1.16% | 1.13% | +7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.56% | 0.56% | 0.53% | 0.59% | 0.59% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.85% | 15.75% | 15.98% | 15.80% | 16.61% | +76 bps | |
| Net Worth / Assets | 15.85% | 15.75% | 15.98% | 15.80% | 16.61% | +76 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.14% | 64.90% | 64.04% | 61.34% | 62.61% | -753 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |