Longview, TX · Charter 21411
Q3 2010
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.01% | -1.25% | -1.22% | -4.45% | -2.43% | -141 bps | |
| Return on Equity | -6.30% | -7.94% | -8.57% | -31.69% | -16.72% | -1,043 bps | |
| Net Interest Margin | 3.08% | 3.02% | 2.81% | 3.17% | 3.16% | +9 bps | |
| Efficiency Ratio | 74.72% | 77.41% | 90.61% | 169.84% | 106.47% | +3,175 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.91% | -6.49% | 0.97% | 0.11% | -6.46% | +45 bps | |
| Loan Growth (YoY) | -24.50% | -24.24% | -28.48% | -32.14% | -37.99% | -1,349 bps | |
| Share Growth (YoY) | -5.50% | -4.47% | 2.70% | 2.57% | -4.51% | +98 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.45% | 11.15% | 7.50% | 2.08% | 1.20% | -425 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.21% | 4.14% | 2.49% | 3.71% | 3.89% | +69 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.07% | 15.78% | 14.23% | 14.03% | 14.50% | -157 bps | |
| Net Worth / Assets | 16.07% | 15.78% | 14.23% | 14.03% | 14.50% | -157 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.32% | 65.72% | 52.19% | 49.19% | 44.37% | -2,395 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |