Dallas, TX · Charter 67610
Q3 2004
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.65% | -0.61% | -0.75% | -1.28% | -1.74% | -109 bps | |
| Return on Equity | -2.66% | -2.41% | -2.90% | -4.89% | -6.43% | -377 bps | |
| Net Interest Margin | 4.30% | 4.32% | 3.85% | 3.83% | 3.99% | -30 bps | |
| Efficiency Ratio | 97.90% | 100.22% | 112.58% | 118.89% | 129.49% | +3,158 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -21.23% | -12.13% | -11.47% | -10.59% | -14.02% | +721 bps | |
| Loan Growth (YoY) | -32.77% | -29.97% | -26.61% | -25.76% | -21.01% | +1,177 bps | |
| Share Growth (YoY) | -20.75% | -15.00% | -14.51% | -12.89% | -16.94% | +380 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.11% | 0.84% | 0.68% | 0.73% | 0.55% | -56 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.75% | 0.64% | 0.66% | 0.77% | 0.64% | -11 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.51% | 25.43% | 25.82% | 26.12% | 27.09% | +257 bps | |
| Net Worth / Assets | 24.51% | 25.43% | 25.82% | 26.12% | 27.09% | +257 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.32% | 63.01% | 60.15% | 58.05% | 62.13% | -320 bps | |
| Liquid Assets / Assets | 47.65% | 49.75% | 39.68% | 43.26% | 40.84% | -681 bps | |