Dallas, TX · Charter 24700
Q4 2007
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.77% | 1.33% | -1.39% | -0.83% | -0.67% | -344 bps | |
| Return on Equity | 62.59% | 28.79% | -38.97% | -24.08% | -19.54% | -8,213 bps | |
| Net Interest Margin | 1.42% | 1.51% | 1.33% | 1.12% | 1.09% | -33 bps | |
| Efficiency Ratio | 5.68% | 9.15% | 10.26% | 11.63% | 12.02% | +633 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 119.18% | 126.16% | 11.93% | 11.22% | 8.26% | -11,092 bps | |
| Loan Growth (YoY) | 528% | 585% | 53.88% | 3.67% | -8.26% | -53,614 bps | |
| Share Growth (YoY) | 118.03% | 124.50% | 10.82% | 11.59% | 8.84% | -10,919 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 18.85% | 19.89% | 19.82% | 53.06% | 47.13% | +2,828 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.94% | 2.89% | 7.13% | 7.70% | 8.86% | +593 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.43% | 4.61% | 3.56% | 3.46% | 3.42% | -101 bps | |
| Net Worth / Assets | 4.43% | 4.61% | 3.56% | 3.46% | 3.42% | -101 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.65% | 35.64% | 32.90% | 31.01% | 30.05% | -560 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |