Dallas, TX · Charter 67623
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 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.
Dallas, TX · Charter 67623
Q1 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 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.22% | -0.16% | -1.07% | 1.21% | +46 bps | |
| Return on Equity | 11.58% | 3.76% | -2.65% | -17.56% | 20.11% | +853 bps | |
| Net Interest Margin | 2.60% | 2.61% | 3.43% | 5.03% | 5.69% | +309 bps | |
| Efficiency Ratio | 101.15% | 88.41% | 93.41% | 58.93% | 63.36% | -3,779 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 31.88% | 38.21% | 16.35% | -6.93% | -30.46% | -6,234 bps | |
| Loan Growth (YoY) | 10.97% | 16.29% | 17.73% | 4.97% | -12.59% | -2,356 bps | |
| Share Growth (YoY) | 34.35% | 42.19% | 19.21% | -4.53% | -29.94% | -6,428 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.87% | 3.42% | 2.86% | 3.12% | 1.01% | -86 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.15% | 0.94% | 1.07% | 2.11% | 3.96% | +280 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.44% | 5.82% | 6.07% | 6.07% | 6.00% | -44 bps | |
| Net Worth / Assets | 6.44% | 5.82% | 6.07% | 6.07% | 6.00% | -44 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.85% | 65.01% | 69.15% | 77.42% | 82.16% | +1,630 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |