Fort Worth, TX · Charter 67423
Q4 2008
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | -0.40% | -0.22% | -0.32% | -1.62% | -174 bps | |
| Return on Equity | 0.56% | -1.92% | -1.08% | -1.56% | -7.80% | -835 bps | |
| Net Interest Margin | 4.70% | 4.50% | 4.58% | 4.42% | 4.62% | -8 bps | |
| Efficiency Ratio | 101.03% | 108.58% | 103.80% | 106.39% | 115.41% | +1,438 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.88% | -6.15% | -7.06% | 3.07% | -7.01% | +588 bps | |
| Loan Growth (YoY) | -6.87% | -1.68% | 6.79% | -2.18% | -10.68% | -381 bps | |
| Share Growth (YoY) | -16.05% | -7.82% | -8.79% | 4.46% | -6.84% | +921 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.56% | 3.25% | 3.15% | 3.37% | 4.68% | +112 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.31% | 2.36% | 2.42% | 2.52% | 1.28% | -102 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.89% | 20.68% | 20.59% | 20.42% | 20.84% | -5 bps | |
| Net Worth / Assets | 20.89% | 20.68% | 20.59% | 20.42% | 20.84% | -5 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.07% | 47.69% | 47.51% | 45.16% | 47.05% | -203 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |