San Antonio, TX · Charter 21766
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
San Antonio, TX · Charter 21766
Q2 2011
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 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.62% | 0.16% | -0.38% | 0.05% | -0.31% | +31 bps | |
| Return on Equity | -9.03% | 2.40% | -5.61% | 0.77% | -5.01% | +402 bps | |
| Net Interest Margin | 3.88% | 4.55% | 4.74% | 4.19% | 3.36% | -52 bps | |
| Efficiency Ratio | 97.73% | 93.49% | 94.76% | 84.86% | 93.35% | -438 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.77% | 10.67% | -2.01% | 7.27% | 8.09% | -668 bps | |
| Loan Growth (YoY) | 8.93% | 13.35% | 10.19% | -2.43% | -6.85% | -1,579 bps | |
| Share Growth (YoY) | 16.75% | 12.29% | 0.27% | 10.52% | 7.99% | -876 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.01% | 0.00% | 0.00% | 1.93% | 2.91% | +291 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.45% | 0.49% | 0.23% | 0.64% | 0.21% | -24 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.88% | 6.73% | 6.74% | 6.40% | 6.25% | -63 bps | |
| Net Worth / Assets | 6.88% | 6.73% | 6.74% | 6.40% | 6.25% | -63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.28% | 73.11% | 78.17% | 64.10% | 63.21% | -1,007 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |