Yoakum, TX · Charter 67923
Q4 2007
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.09% | 0.35% | 0.44% | 0.47% | -4.26% | -434 bps | |
| Return on Equity | 0.73% | 2.94% | 3.67% | 3.93% | -55.19% | -5,592 bps | |
| Net Interest Margin | 3.28% | 3.56% | 3.66% | 3.77% | 3.82% | +55 bps | |
| Efficiency Ratio | 97.38% | 90.27% | 88.10% | 85.69% | 137.65% | +4,027 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.32% | 3.55% | 1.77% | 1.55% | -1.43% | -176 bps | |
| Loan Growth (YoY) | 6.39% | 9.15% | 8.69% | 9.88% | 9.49% | +309 bps | |
| Share Growth (YoY) | 0.27% | 3.97% | 1.81% | 1.36% | 2.17% | +190 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.28% | 1.22% | 3.31% | 2.93% | 4.78% | +250 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.50% | 0.48% | 0.49% | 0.53% | 3.40% | +289 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.80% | 11.78% | 11.90% | 11.94% | 7.71% | -409 bps | |
| Net Worth / Assets | 11.80% | 11.78% | 11.90% | 11.94% | 7.71% | -409 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 98.61% | 101.62% | 101.17% | 104.64% | 105.67% | +706 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |