Austin, TX · Charter 63436
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Austin, TX · Charter 63436
Q3 2004
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.05% | -0.09% | -0.23% | -0.41% | -0.62% | -57 bps | |
| Return on Equity | -0.33% | -0.65% | -1.69% | -3.13% | -4.18% | -385 bps | |
| Net Interest Margin | 3.71% | 3.77% | 3.23% | 3.07% | 3.34% | -37 bps | |
| Efficiency Ratio | 101.14% | 102.24% | 106.54% | 112.68% | 117.39% | +1,625 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.21% | -5.57% | -1.34% | -1.70% | -10.42% | -521 bps | |
| Loan Growth (YoY) | -12.65% | -23.07% | -18.51% | -16.41% | -23.22% | -1,057 bps | |
| Share Growth (YoY) | -6.19% | -6.32% | -1.37% | -1.58% | -11.53% | -534 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 7.88% | +788 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.66% | 3.00% | 2.99% | 3.18% | 3.47% | +80 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.65% | 13.97% | 13.46% | 13.23% | 14.72% | +107 bps | |
| Net Worth / Assets | 13.65% | 13.97% | 13.46% | 13.23% | 14.72% | +107 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.19% | 46.85% | 45.22% | 42.10% | 44.43% | -676 bps | |
| Liquid Assets / Assets | 35.36% | 38.79% | 40.75% | 43.57% | 39.64% | +427 bps | |