Fort Worth, TX · Charter 24468
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, 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.
Fort Worth, TX · Charter 24468
Q2 2008
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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | 0.60% | 0.68% | 0.12% | 0.28% | -12 bps | |
| Return on Equity | 4.68% | 6.54% | 7.52% | 1.46% | 3.36% | -132 bps | |
| Net Interest Margin | 3.86% | 3.96% | 3.75% | 3.30% | 3.40% | -46 bps | |
| Efficiency Ratio | 80.81% | 80.74% | 80.31% | 87.68% | 83.17% | +235 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.61% | 7.64% | 12.82% | 8.52% | 10.08% | +447 bps | |
| Loan Growth (YoY) | 10.86% | 10.29% | 14.02% | 20.27% | 22.32% | +1,146 bps | |
| Share Growth (YoY) | 5.35% | 7.42% | 13.20% | 8.50% | 10.46% | +510 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.33% | 0.59% | 0.57% | 0.37% | 0.36% | +3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.96% | 1.51% | 1.18% | 1.06% | 0.93% | -103 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.69% | 9.23% | 9.07% | 8.45% | 8.48% | -21 bps | |
| Net Worth / Assets | 8.69% | 9.23% | 9.07% | 8.45% | 8.48% | -21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.77% | 69.32% | 68.36% | 63.39% | 67.30% | +653 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |