Dallas, TX · Charter 67659
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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 67659
Q4 2006
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.42% | 0.35% | 0.36% | 0.38% | -0.27% | -69 bps | |
| Return on Equity | 3.16% | 2.54% | 2.62% | 2.57% | -1.87% | -503 bps | |
| Net Interest Margin | 4.59% | 4.52% | 4.57% | 4.73% | 4.73% | +14 bps | |
| Efficiency Ratio | 78.64% | 81.72% | 83.70% | 84.31% | 88.61% | +997 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.21% | -14.10% | -10.83% | -10.57% | -7.96% | +525 bps | |
| Loan Growth (YoY) | -3.49% | -6.82% | -7.23% | -8.31% | -8.32% | -483 bps | |
| Share Growth (YoY) | -15.52% | -15.90% | -13.21% | -12.26% | -9.70% | +583 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.54% | 1.47% | 1.03% | 1.13% | 1.06% | -48 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.71% | 2.95% | 2.92% | 2.84% | 2.96% | +25 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.29% | 13.65% | 13.91% | 14.59% | 14.18% | +88 bps | |
| Net Worth / Assets | 13.29% | 13.65% | 13.91% | 14.59% | 14.18% | +88 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.21% | 59.08% | 59.64% | 60.27% | 61.13% | +92 bps | |
| Liquid Assets / Assets | 20.94% | 21.94% | 0.00% | 0.00% | 0.00% | -2,094 bps | |