Pampa, TX · Charter 3686
Q3 2010
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.02% | 0.18% | -1.14% | 0.08% | -18.61% | -1,859 bps | |
| Return on Equity | -0.21% | 1.81% | -14.11% | 1.12% | n/a | n/a | |
| Net Interest Margin | 4.90% | 3.43% | 3.31% | 3.39% | 4.52% | -38 bps | |
| Efficiency Ratio | 74.25% | 77.16% | 91.73% | 97.62% | 92.79% | +1,854 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.49% | 14.58% | 18.84% | 25.73% | -0.84% | -1,033 bps | |
| Loan Growth (YoY) | 7.40% | 7.40% | 1.24% | 0.34% | -19.42% | -2,682 bps | |
| Share Growth (YoY) | 9.77% | 18.54% | 23.23% | 30.40% | 20.15% | +1,038 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 24.76% | 22.54% | 24.68% | 24.95% | 15.98% | -878 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.16% | 4.33% | 1.42% | 1.57% | 12.52% | +835 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.10% | 9.73% | 8.11% | 7.49% | -5.21% | -1,631 bps | |
| Net Worth / Assets | 11.10% | 9.73% | 8.11% | 7.49% | -5.21% | -1,631 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 110.66% | 98.89% | 92.34% | 85.28% | 74.22% | -3,644 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |