Temple, TX · Charter 5904
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 | 1.82% | 1.56% | 0.63% | 1.32% | 1.77% | -5 bps | |
| Return on Equity | 19.36% | 16.52% | 7.52% | 16.04% | 20.07% | +71 bps | |
| Net Interest Margin | 3.56% | 3.59% | 3.50% | 3.75% | 4.09% | +53 bps | |
| Efficiency Ratio | 64.71% | 68.13% | 76.96% | 76.47% | 67.94% | +323 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.60% | 14.50% | 21.60% | 22.68% | 22.67% | +1,206 bps | |
| Loan Growth (YoY) | 17.98% | 21.28% | 27.31% | 32.58% | 51.02% | +3,304 bps | |
| Share Growth (YoY) | 10.40% | 16.48% | 24.77% | 24.06% | 20.74% | +1,035 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.42% | 0.57% | 0.42% | 0.42% | 0.48% | +6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.16% | 1.17% | 1.19% | 1.11% | 1.06% | -10 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.42% | 9.41% | 8.44% | 8.25% | 8.83% | -59 bps | |
| Net Worth / Assets | 9.42% | 9.41% | 8.44% | 8.25% | 8.83% | -59 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.31% | 78.24% | 77.53% | 76.76% | 91.70% | +1,839 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |