Dallas, TX · Charter 67438
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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 67438
Q3 2005
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.21% | -1.17% | -11.23% | -10.05% | -17.91% | -1,812 bps | |
| Return on Equity | 1.90% | -11.78% | -154.99% | -180.12% | n/a | n/a | |
| Net Interest Margin | 6.71% | 6.93% | 6.58% | 7.00% | 8.01% | +130 bps | |
| Efficiency Ratio | 65.79% | 66.26% | 70.10% | 70.19% | 79.06% | +1,328 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.05% | 3.25% | -0.95% | -6.38% | -22.18% | -2,923 bps | |
| Loan Growth (YoY) | 9.80% | 3.02% | -5.78% | 0.14% | -13.97% | -2,378 bps | |
| Share Growth (YoY) | 8.39% | 6.27% | 2.90% | 0.66% | -11.90% | -2,029 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.94% | 6.03% | 5.16% | 6.95% | 6.49% | +155 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.11% | 3.55% | 5.57% | 8.53% | 14.73% | +1,162 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.86% | 9.89% | 7.25% | 5.58% | -1.13% | -1,199 bps | |
| Net Worth / Assets | 10.86% | 9.89% | 7.25% | 5.58% | -1.13% | -1,199 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.41% | 77.59% | 74.53% | 79.13% | 76.56% | -185 bps | |
| Liquid Assets / Assets | 7.90% | 7.19% | 11.38% | 9.35% | 10.99% | +309 bps | |