San Juan, TX · Charter 24518
Q3 2007
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 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.75% | -3.80% | 0.39% | -2.76% | -8.72% | -397 bps | |
| Return on Equity | -142.85% | -103.59% | 10.71% | -105.34% | n/a | n/a | |
| Net Interest Margin | 7.32% | 7.61% | 7.09% | 7.22% | 6.88% | -44 bps | |
| Efficiency Ratio | 75.43% | 79.45% | 78.60% | 84.73% | 142.98% | +6,755 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.26% | -16.66% | -12.25% | -21.97% | -17.83% | -357 bps | |
| Loan Growth (YoY) | -15.94% | -14.86% | -16.98% | -19.64% | -19.57% | -363 bps | |
| Share Growth (YoY) | -11.11% | -15.50% | -9.68% | -19.99% | -12.82% | -171 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.34% | 2.16% | 1.69% | 4.52% | 3.59% | -75 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.19% | 2.60% | 2.57% | 2.58% | 2.59% | -60 bps | |
| Capital | |||||||
| Risk-Based Capital | 3.33% | 3.66% | 3.69% | 2.62% | -2.42% | -575 bps | |
| Net Worth / Assets | 3.33% | 3.66% | 3.69% | 2.62% | -2.42% | -575 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.65% | 94.72% | 87.77% | 90.82% | 81.79% | -687 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |