Garland, TX · Charter 4376
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.
Garland, TX · Charter 4376
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 | 0.14% | 0.15% | 0.84% | 0.00% | 0.18% | +4 bps | |
| Return on Equity | 1.60% | 1.65% | 8.31% | 0.00% | 1.75% | +15 bps | |
| Net Interest Margin | 4.38% | 4.54% | 4.58% | 4.39% | 4.30% | -8 bps | |
| Efficiency Ratio | 80.20% | 80.04% | 80.69% | 89.19% | 90.91% | +1,071 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.88% | -12.96% | -12.27% | -11.03% | -7.12% | +776 bps | |
| Loan Growth (YoY) | -15.78% | -18.27% | -12.69% | -9.28% | -9.27% | +651 bps | |
| Share Growth (YoY) | -6.02% | -4.20% | -11.76% | -10.52% | -8.09% | -207 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.13% | 0.57% | 2.09% | 2.05% | 1.25% | +11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.93% | 2.33% | 1.70% | 1.59% | 1.56% | -37 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.03% | 9.28% | 10.12% | 10.40% | 10.51% | +149 bps | |
| Net Worth / Assets | 9.03% | 9.28% | 10.12% | 10.40% | 10.51% | +149 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.77% | 81.47% | 92.13% | 82.87% | 79.73% | -104 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |