Dallas, TX · Charter 67593
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 67593
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 | 0.09% | 0.13% | 0.41% | 0.85% | 0.38% | +28 bps | |
| Return on Equity | 0.52% | 0.75% | 2.31% | 4.50% | 3.59% | +306 bps | |
| Net Interest Margin | 3.82% | 3.78% | 3.47% | 3.77% | 4.19% | +37 bps | |
| Efficiency Ratio | 81.14% | 82.89% | 84.71% | 77.69% | 89.79% | +865 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.15% | -7.96% | -5.45% | -9.15% | -13.76% | -261 bps | |
| Loan Growth (YoY) | 9.22% | -5.43% | -8.39% | -5.41% | 1.21% | -802 bps | |
| Share Growth (YoY) | -13.36% | -9.70% | -6.85% | -11.07% | -15.29% | -194 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.21% | 0.87% | 0.91% | 0.98% | 0.60% | -61 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.23% | 1.20% | 1.36% | 1.33% | 0.94% | -29 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.46% | 17.55% | 17.89% | 18.78% | 10.48% | -698 bps | |
| Net Worth / Assets | 17.46% | 17.55% | 17.89% | 18.78% | 10.48% | -698 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.33% | 68.31% | 68.37% | 74.99% | 85.22% | +1,390 bps | |
| Liquid Assets / Assets | 35.64% | 38.36% | 38.76% | 31.94% | 28.46% | -718 bps | |