Corpus Christi, TX · Charter 24456
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 2001, 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.
Corpus Christi, TX · Charter 24456
Q3 2001
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 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.40% | 1.26% | 1.00% | 0.99% | 1.03% | -37 bps | |
| Return on Equity | n/a | 9.11% | 7.71% | 7.64% | 7.92% | n/a | |
| Net Interest Margin | 4.22% | 4.21% | 3.99% | 3.92% | 3.95% | -27 bps | |
| Efficiency Ratio | 74.04% | 75.30% | 77.27% | 77.41% | 76.65% | +261 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.85% | -0.40% | 6.68% | 10.06% | 13.60% | +1,545 bps | |
| Loan Growth (YoY) | 10.66% | 10.15% | 8.26% | 3.40% | 1.11% | -955 bps | |
| Share Growth (YoY) | -3.69% | -1.93% | 6.18% | 10.96% | 14.61% | +1,830 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.42% | 0.46% | 0.53% | 0.65% | 0.44% | +2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.45% | 0.50% | 0.54% | 0.53% | 0.50% | +5 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | 13.87% | 12.90% | 12.92% | 13.03% | n/a | |
| Net Worth / Assets | n/a | 13.87% | 12.90% | 12.92% | 13.03% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.81% | 83.32% | 74.13% | 74.63% | 74.82% | -999 bps | |
| Liquid Assets / Assets | 15.64% | 17.39% | 20.91% | 17.98% | 16.43% | +79 bps | |