Terrell, TX · Charter 62833
Q4 2002
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.93% | 1.20% | 0.81% | 1.84% | 0.96% | -98 bps | |
| Return on Equity | 18.32% | 11.16% | 8.45% | 17.83% | 9.63% | -869 bps | |
| Net Interest Margin | 5.80% | 6.06% | 4.08% | 4.43% | 3.92% | -188 bps | |
| Efficiency Ratio | 71.70% | 75.72% | 96.44% | 73.72% | 89.03% | +1,733 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.32% | 18.44% | 31.50% | 34.85% | 25.48% | +716 bps | |
| Loan Growth (YoY) | 7.27% | 11.52% | 11.89% | -4.42% | 0.95% | -633 bps | |
| Share Growth (YoY) | 17.86% | 18.33% | 32.44% | 36.65% | 27.72% | +986 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.39% | 5.28% | 2.94% | 2.33% | 2.79% | +140 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.89% | 3.15% | 2.68% | 2.63% | 2.62% | -26 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.56% | 10.79% | 9.63% | 10.30% | 9.94% | -62 bps | |
| Net Worth / Assets | 10.56% | 10.79% | 9.63% | 10.30% | 9.94% | -62 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.63% | 88.46% | 77.11% | 70.42% | 66.10% | -1,753 bps | |
| Liquid Assets / Assets | 23.74% | 20.32% | 27.21% | 33.42% | 36.36% | +1,262 bps | |