Waxahachie, TX · Charter 67504
Q2 2005
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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.40% | -0.18% | -0.36% | -1.66% | -40.62% | -4,022 bps | |
| Return on Equity | -1.68% | -0.78% | -1.34% | -5.89% | -512% | -51,010 bps | |
| Net Interest Margin | 2.41% | 2.48% | 3.02% | 2.80% | -36.43% | -3,884 bps | |
| Efficiency Ratio | 107.67% | 99.87% | 94.51% | 93.61% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 1.00% | -1.72% | -15.45% | -17.79% | -16.67% | -1,767 bps | |
| Loan Growth (YoY) | 1.49% | 0.37% | -8.90% | -18.70% | -32.08% | -3,357 bps | |
| Share Growth (YoY) | -1.48% | -3.59% | -19.77% | -22.43% | 0.54% | +202 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.99% | 1.93% | 3.40% | 4.16% | 6.76% | +477 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.62% | 1.58% | 1.67% | 2.56% | 3.53% | +191 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.65% | 23.38% | 27.24% | 28.23% | 7.94% | -1,572 bps | |
| Net Worth / Assets | 23.65% | 23.38% | 27.24% | 28.23% | 7.94% | -1,572 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.95% | 72.69% | 81.85% | 75.14% | 51.31% | -2,464 bps | |
| Liquid Assets / Assets | 34.82% | 19.84% | 20.05% | 25.13% | 36.72% | +190 bps | |