San Antonio, TX · Charter 6294
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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.
San Antonio, TX · Charter 6294
Q2 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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.60% | -5.18% | 0.03% | 0.35% | -6.13% | -673 bps | |
| Return on Equity | n/a | -59.86% | 0.31% | 3.95% | -95.76% | n/a | |
| Net Interest Margin | 4.93% | 4.55% | 4.09% | 4.17% | 4.13% | -80 bps | |
| Efficiency Ratio | 78.62% | 77.69% | 93.72% | 86.65% | 85.01% | +639 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.78% | 16.74% | 13.97% | 10.12% | -0.13% | -1,590 bps | |
| Loan Growth (YoY) | 28.12% | 34.88% | 16.04% | 0.49% | -28.61% | -5,673 bps | |
| Share Growth (YoY) | 19.25% | 28.30% | 22.22% | 18.23% | 10.63% | -862 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.20% | 6.10% | 4.80% | 1.62% | 2.42% | +22 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.83% | 8.46% | 7.82% | 4.48% | 10.80% | +896 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | 8.65% | 8.51% | 8.96% | 6.40% | n/a | |
| Net Worth / Assets | n/a | 8.65% | 8.51% | 8.96% | 6.40% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.47% | 68.13% | 62.27% | 57.11% | 49.99% | -2,747 bps | |
| Liquid Assets / Assets | 29.30% | 32.83% | 27.20% | 18.90% | 13.47% | -1,583 bps | |