Lufkin, TX · Charter 21665
Q1 2004
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 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | 0.24% | 0.29% | 0.27% | -33.75% | -3,380 bps | |
| Return on Equity | 0.34% | 1.47% | 1.78% | 1.60% | -397% | -39,747 bps | |
| Net Interest Margin | 1.87% | 1.96% | 1.96% | 2.09% | -25.89% | -2,776 bps | |
| Efficiency Ratio | 96.99% | 87.73% | 85.35% | 86.30% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 7.51% | 3.25% | 11.15% | 6.42% | 0.37% | -714 bps | |
| Loan Growth (YoY) | -16.64% | -6.53% | 1.25% | 12.45% | -4.73% | +1,191 bps | |
| Share Growth (YoY) | 9.14% | 3.70% | 13.20% | 7.62% | 10.77% | +163 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.55% | 3.98% | 4.16% | 3.28% | 2.36% | +81 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.78% | 2.82% | 2.67% | 1.18% | 6.79% | +402 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.74% | 16.38% | 16.18% | 16.85% | 8.50% | -824 bps | |
| Net Worth / Assets | 16.74% | 16.38% | 16.18% | 16.85% | 8.50% | -824 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.56% | 34.84% | 36.72% | 38.30% | 31.44% | -512 bps | |
| Liquid Assets / Assets | 68.66% | 69.83% | 68.21% | 66.78% | 69.81% | +115 bps | |