Midland, TX · Charter 67515
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Midland, TX · Charter 67515
Q2 2011
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 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.84% | 0.93% | -2.59% | 0.42% | -1.39% | -56 bps | |
| Return on Equity | -10.01% | 13.02% | -64.97% | 8.22% | -30.77% | -2,075 bps | |
| Net Interest Margin | 4.02% | 5.24% | 5.65% | 5.22% | 5.27% | +124 bps | |
| Efficiency Ratio | 69.52% | 62.31% | 48.83% | 63.71% | 74.92% | +540 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.70% | 37.85% | 35.13% | 29.60% | 32.30% | +1,460 bps | |
| Loan Growth (YoY) | 28.04% | 66.84% | 110.74% | 63.91% | 22.10% | -595 bps | |
| Share Growth (YoY) | 18.82% | 36.94% | 43.49% | 34.76% | 39.99% | +2,117 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.91% | 1.81% | 4.10% | 2.17% | 0.32% | -359 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.05% | 1.59% | 4.68% | 0.17% | 0.94% | -111 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.35% | 7.11% | 3.98% | 5.06% | 4.52% | -383 bps | |
| Net Worth / Assets | 8.35% | 7.11% | 3.98% | 5.06% | 4.52% | -383 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.37% | 91.24% | 93.25% | 76.28% | 73.58% | -1,078 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |