San Marcos, TX · Charter 65097
Q3 2010
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.45% | -1.09% | -1.18% | -2.86% | -2.40% | -95 bps | |
| Return on Equity | -6.05% | -4.51% | -4.80% | -11.46% | -10.46% | -441 bps | |
| Net Interest Margin | 3.18% | 3.09% | 3.12% | 2.52% | 1.94% | -123 bps | |
| Efficiency Ratio | 136.11% | 128.59% | 138.15% | 405% | 314% | +17,752 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.05% | -13.52% | -17.40% | -5.08% | -4.66% | +840 bps | |
| Loan Growth (YoY) | -23.69% | -15.52% | -32.24% | -30.71% | -44.99% | -2,130 bps | |
| Share Growth (YoY) | -15.17% | -16.30% | -20.98% | -5.33% | -3.31% | +1,186 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.90% | 8.87% | 16.45% | 0.00% | 10.33% | +243 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.11% | 1.17% | 1.30% | 1.45% | 2.01% | +90 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.02% | 24.24% | 24.57% | 24.95% | 22.96% | -105 bps | |
| Net Worth / Assets | 24.02% | 24.24% | 24.57% | 24.95% | 22.96% | -105 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.53% | 50.33% | 46.74% | 44.06% | 29.89% | -2,264 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |