San Antonio, TX · Charter 60510
Q1 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.45% | -1.38% | -0.88% | -0.12% | 0.33% | +179 bps | |
| Return on Equity | -10.43% | -11.10% | -6.97% | -0.89% | 2.55% | +1,298 bps | |
| Net Interest Margin | 4.63% | 4.73% | 4.83% | 4.70% | 4.25% | -38 bps | |
| Efficiency Ratio | 121.59% | 124.38% | 115.09% | 100.41% | 92.72% | -2,888 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -17.72% | 0.29% | -0.54% | 5.93% | 9.76% | +2,749 bps | |
| Loan Growth (YoY) | -33.25% | -28.21% | -26.40% | -15.68% | -18.30% | +1,495 bps | |
| Share Growth (YoY) | -15.58% | 6.90% | 2.45% | 9.45% | 11.46% | +2,704 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 15.21% | 18.70% | 20.08% | 12.06% | 8.74% | -647 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 15.16% | 11.89% | 9.37% | 8.07% | 9.12% | -603 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.95% | 12.48% | 12.62% | 13.00% | 13.00% | -94 bps | |
| Net Worth / Assets | 13.95% | 12.48% | 12.62% | 13.00% | 13.00% | -94 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.36% | 67.11% | 65.07% | 63.54% | 54.50% | -1,985 bps | |
| Liquid Assets / Assets | 40.00% | 45.46% | 46.16% | 36.77% | 42.23% | +223 bps | |