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San Antonio Women`s

San Antonio, TX · Charter 67973

Q2 2003

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2003, the quarter ended June 30, 2003, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

San Antonio Women`s

San Antonio, TX · Charter 67973

Q2 2003

$592KAssets
$412KLoans
$484KShares
$108KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.46%, up 221 bps year over year; NIM at 6.51%.
  • Asset quality: problem loans at 7.78% of loans (-907 bps YoY).
  • Capital: net worth / assets of 18.18%, up 152 bps from a year ago.
  • Funding: loans stand at 85.17% of shares as of Q2 2003.

Financial Results

Return on Assets (YTD, annualized)

-1.46%+221 bps YoY

Net Interest Margin (YTD, annualized)

6.51%-220 bps YoY

Efficiency Ratio (YTD, annualized)

48.72%+518 bps YoY

Net Worth / Assets

18.18%+152 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2002Q3 2002Q4 2002Q1 2003Q2 2003YoY ΔTrend
Earnings
Return on Assets-3.68%-1.92%-0.66%-0.16%-1.46%+221 bps
Return on Equity-22.06%-10.86%-3.50%-0.85%-8.04%+1,402 bps
Net Interest Margin8.72%8.33%8.28%6.80%6.51%-220 bps
Efficiency Ratio43.54%39.85%37.73%44.23%48.72%+518 bps
Growth
Asset Growth (YoY)-2.41%-7.24%-10.43%-9.64%-5.49%-308 bps
Loan Growth (YoY)-23.07%-26.39%-23.55%-20.79%-10.18%+1,288 bps
Share Growth (YoY)-0.80%-7.26%-11.51%-10.74%-7.29%-649 bps
Asset Quality
Delinquent Loans / Loans16.85%13.10%9.58%17.47%7.78%-907 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans9.43%7.78%3.74%5.75%7.47%-197 bps
Capital
Risk-Based Capital16.66%17.67%18.82%18.79%18.18%+152 bps
Net Worth / Assets16.66%17.67%18.82%18.79%18.18%+152 bps
Liquidity & Funding
Loans / Shares87.92%82.79%90.09%80.30%85.17%-274 bps
Liquid Assets / Assets31.37%34.98%27.05%36.17%33.47%+210 bps