Mesquite, TX · Charter 67420
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
Mesquite, TX · Charter 67420
Q3 2012
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.98% | -0.83% | -0.48% | -0.55% | -0.68% | +30 bps | |
| Return on Equity | -8.42% | -7.20% | -4.11% | -5.06% | -6.36% | +206 bps | |
| Net Interest Margin | 3.78% | 3.78% | 3.72% | 3.49% | 3.42% | -36 bps | |
| Efficiency Ratio | 118.69% | 115.91% | 110.63% | 112.80% | 115.41% | -327 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.90% | -6.23% | -6.45% | -3.88% | 2.56% | +1,246 bps | |
| Loan Growth (YoY) | 9.93% | 5.01% | 8.10% | 6.56% | 2.32% | -761 bps | |
| Share Growth (YoY) | -10.37% | -8.15% | -6.40% | -2.35% | 2.61% | +1,298 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.04% | 0.00% | 0.00% | 0.02% | +2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.35% | 0.33% | 0.32% | 0.30% | 0.29% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.65% | 11.53% | 11.61% | 10.95% | 10.75% | -90 bps | |
| Net Worth / Assets | 11.65% | 11.53% | 11.61% | 10.95% | 10.75% | -90 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.05% | 59.60% | 57.72% | 55.54% | 55.89% | -16 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |