Fort Worth, TX · Charter 23110
Q3 2013
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.35% | -3.61% | -2.93% | -2.52% | -2.77% | -43 bps | |
| Return on Equity | -22.25% | -39.71% | -34.91% | -34.68% | -46.58% | -2,433 bps | |
| Net Interest Margin | 2.04% | 1.82% | 1.30% | 1.38% | 1.75% | -30 bps | |
| Efficiency Ratio | 197.61% | 217% | 271% | 251% | 235% | +3,723 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.90% | 1.59% | 2.38% | 15.30% | 4.02% | +892 bps | |
| Loan Growth (YoY) | -22.85% | -38.96% | -20.60% | -7.80% | 45.16% | +6,801 bps | |
| Share Growth (YoY) | -1.37% | 7.22% | 7.40% | 23.15% | 9.80% | +1,117 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.91% | 11.47% | 6.24% | 10.14% | 0.65% | -26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.33% | 3.83% | 3.54% | 3.05% | 0.57% | -275 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.54% | 9.10% | 8.40% | 7.26% | 5.95% | -459 bps | |
| Net Worth / Assets | 10.54% | 9.10% | 8.40% | 7.26% | 5.95% | -459 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 21.82% | 17.67% | 19.03% | 20.25% | 28.84% | +702 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |