Arlington, TX · Charter 60080
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Arlington, TX · Charter 60080
Q3 2005
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.45% | 0.52% | 0.50% | 0.43% | 0.46% | +1 bps | |
| Return on Equity | 3.90% | 4.45% | 4.28% | 3.93% | 4.11% | +22 bps | |
| Net Interest Margin | 5.26% | 5.45% | 5.87% | 5.62% | 5.78% | +52 bps | |
| Efficiency Ratio | 78.86% | 78.92% | 78.45% | 79.66% | 78.81% | -5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.79% | 6.86% | 10.08% | 19.08% | 7.60% | -19 bps | |
| Loan Growth (YoY) | 14.21% | 12.20% | 15.77% | 15.93% | 12.36% | -185 bps | |
| Share Growth (YoY) | 7.14% | 14.19% | 10.47% | 20.13% | 7.85% | +72 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.03% | 2.71% | 2.04% | 1.83% | 2.43% | +40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.85% | 0.86% | 1.01% | 0.99% | 1.11% | +26 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.49% | 11.74% | 11.67% | 10.94% | 11.19% | -30 bps | |
| Net Worth / Assets | 11.49% | 11.74% | 11.67% | 10.94% | 11.19% | -30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.09% | 91.39% | 94.47% | 91.27% | 93.85% | +377 bps | |
| Liquid Assets / Assets | 13.00% | 13.70% | 11.59% | 12.43% | 10.46% | -254 bps | |