Brownsville, TX · Charter 24766
Q1 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | -9.75% | -11.70% | -11.34% | -5.68% | -630 bps | |
| Return on Equity | 4.81% | -115.55% | -201% | -279% | -230% | -23,459 bps | |
| Net Interest Margin | 5.09% | 5.18% | 5.50% | 5.66% | 4.60% | -49 bps | |
| Efficiency Ratio | 73.95% | 73.91% | 73.57% | 75.53% | 98.90% | +2,495 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.51% | -6.88% | -12.77% | -13.64% | -14.60% | -1,209 bps | |
| Loan Growth (YoY) | -8.72% | -13.58% | -17.29% | -14.77% | -21.23% | -1,251 bps | |
| Share Growth (YoY) | -3.03% | -2.58% | -5.36% | -3.66% | -4.47% | -144 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.98% | 5.44% | 9.07% | 10.70% | 10.77% | +779 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.80% | 4.98% | 11.79% | 12.63% | 11.46% | +966 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.74% | 8.44% | 5.81% | 4.07% | 2.47% | -1,027 bps | |
| Net Worth / Assets | 12.74% | 8.44% | 5.81% | 4.07% | 2.47% | -1,027 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.33% | 63.48% | 63.56% | 64.44% | 54.70% | -1,164 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |