Dallas, TX · Charter 67419
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Dallas, TX · Charter 67419
Q3 2009
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 0.85% | -1.92% | 0.91% | 0.88% | +7 bps | |
| Return on Equity | 4.49% | 4.76% | -11.09% | 4.99% | 4.76% | +27 bps | |
| Net Interest Margin | 3.32% | 3.29% | 3.56% | 3.55% | 3.53% | +21 bps | |
| Efficiency Ratio | 78.17% | 77.54% | 72.65% | 72.50% | 72.79% | -539 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.40% | 0.24% | -0.95% | 1.57% | 2.40% | +201 bps | |
| Loan Growth (YoY) | -8.84% | -3.51% | -3.49% | 4.54% | 6.70% | +1,554 bps | |
| Share Growth (YoY) | -1.01% | -0.84% | -1.48% | 0.09% | 2.31% | +332 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.13% | 0.10% | 0.39% | 0.07% | 0.29% | +16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.32% | 0.29% | 0.16% | 0.19% | 0.26% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.98% | 17.93% | 17.32% | 18.28% | 18.47% | +49 bps | |
| Net Worth / Assets | 17.98% | 17.93% | 17.32% | 18.28% | 18.47% | +49 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.62% | 61.18% | 59.38% | 62.33% | 64.27% | +264 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |