Wichita Falls, TX · Charter 60549
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 | 0.31% | 0.47% | 0.52% | 0.94% | -355% | -35,557 bps | |
| Return on Equity | 4.01% | 6.41% | 7.25% | 13.34% | n/a | n/a | |
| Net Interest Margin | 3.22% | 3.15% | 3.12% | 3.12% | 4.00% | +79 bps | |
| Efficiency Ratio | 94.11% | 88.86% | 87.03% | 78.34% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 11.87% | 19.11% | 23.08% | 26.77% | -56.91% | -6,878 bps | |
| Loan Growth (YoY) | 12.14% | 24.26% | 27.28% | 32.83% | -48.64% | -6,078 bps | |
| Share Growth (YoY) | 12.60% | 20.31% | 24.48% | 28.37% | 20.13% | +754 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.07% | 0.33% | 0.05% | 6.68% | +668 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.49% | 0.46% | 0.55% | 0.51% | 18.23% | +1,773 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.62% | 7.32% | 7.23% | 7.01% | 0.00% | -762 bps | |
| Net Worth / Assets | 7.62% | 7.32% | 7.23% | 7.01% | 0.00% | -762 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.61% | 100.54% | 100.26% | 101.04% | 41.73% | -5,588 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |