PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Dallas TX Dot

Mesquite, TX · Charter 67420

Q3 2012

$5.3MAssets
$2.6MLoans
$4.6MShares
$566KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.68%, up 30 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.02% of loans (+2 bps YoY).
  • Capital: net worth / assets of 10.75%, down 90 bps from a year ago.
  • Funding: loans stand at 55.89% of shares as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.68%+30 bps YoY

Net Interest Margin (YTD, annualized)

3.42%-36 bps YoY

Efficiency Ratio (YTD, annualized)

115.41%-327 bps YoY

Net Worth / Assets

10.75%-90 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
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 Margin3.78%3.78%3.72%3.49%3.42%-36 bps
Efficiency Ratio118.69%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 / Loans0.00%0.04%0.00%0.00%0.02%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.35%0.33%0.32%0.30%0.29%-7 bps
Capital
Risk-Based Capital11.65%11.53%11.61%10.95%10.75%-90 bps
Net Worth / Assets11.65%11.53%11.61%10.95%10.75%-90 bps
Liquidity & Funding
Loans / Shares56.05%59.60%57.72%55.54%55.89%-16 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps