Mineral Wells, TX · Charter 22462
Q4 2006
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.28% | 1.73% | -1.08% | -0.85% | -22.24% | -2,352 bps | |
| Return on Equity | 6.17% | 7.98% | -4.99% | -4.37% | -3562% | -356,811 bps | |
| Net Interest Margin | 8.15% | 7.71% | 7.04% | 5.96% | 6.08% | -206 bps | |
| Efficiency Ratio | 53.44% | 63.08% | 101.33% | 95.56% | 72.37% | +1,892 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.07% | -11.10% | -8.25% | 2.35% | -9.17% | +190 bps | |
| Loan Growth (YoY) | -4.55% | -12.71% | -1.23% | -18.93% | -30.10% | -2,554 bps | |
| Share Growth (YoY) | -14.84% | -14.90% | -11.08% | 3.32% | 13.81% | +2,865 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 26.96% | 28.91% | 53.82% | 32.33% | 47.69% | +2,073 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 15.85% | 16.94% | 16.19% | 1.02% | 36.74% | +2,089 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.77% | 21.69% | 21.68% | 19.48% | 0.62% | -2,014 bps | |
| Net Worth / Assets | 20.77% | 21.69% | 21.68% | 19.48% | 0.62% | -2,014 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 109.36% | 108.73% | 113.34% | 84.36% | 67.17% | -4,219 bps | |
| Liquid Assets / Assets | 23.83% | 26.20% | 0.00% | 0.00% | 0.00% | -2,383 bps | |