Midland, TX · Charter 6432
Q2 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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.15% | 0.25% | 0.25% | -0.03% | -0.02% | -17 bps | |
| Return on Equity | 1.20% | 1.99% | 1.89% | -0.25% | -0.17% | -137 bps | |
| Net Interest Margin | 2.51% | 2.64% | 2.76% | 2.65% | 2.67% | +16 bps | |
| Efficiency Ratio | 86.73% | 83.76% | 84.13% | 83.83% | 86.67% | -7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 24.34% | 30.72% | 20.91% | 15.02% | -6.62% | -3,096 bps | |
| Loan Growth (YoY) | -4.92% | -6.68% | -9.32% | -5.37% | -17.20% | -1,228 bps | |
| Share Growth (YoY) | 27.17% | 36.12% | 24.44% | 18.24% | -7.34% | -3,451 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.69% | 2.10% | 1.94% | 2.40% | 2.68% | -1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.21% | 1.31% | 1.03% | 0.89% | 0.50% | -71 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.24% | 12.65% | 13.14% | 12.70% | 13.26% | +102 bps | |
| Net Worth / Assets | 12.24% | 12.65% | 13.14% | 12.70% | 13.26% | +102 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.54% | 65.06% | 63.58% | 58.79% | 57.68% | -687 bps | |
| Liquid Assets / Assets | 42.79% | 40.95% | 43.01% | 43.65% | 48.44% | +565 bps | |