San Antonio, TX · Charter 68193
Q3 2013
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.31% | 0.14% | -2.86% | -5.56% | -4.29% | -461 bps | |
| Return on Equity | 3.21% | 1.36% | -30.94% | -71.96% | -56.15% | -5,936 bps | |
| Net Interest Margin | 3.71% | 3.97% | 3.58% | 3.66% | 3.64% | -7 bps | |
| Efficiency Ratio | 97.26% | 100.43% | 120.84% | 120.32% | 107.20% | +995 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -18.46% | -17.06% | -14.26% | -10.42% | -11.16% | +729 bps | |
| Loan Growth (YoY) | -25.17% | -24.40% | -22.96% | -23.88% | -29.47% | -430 bps | |
| Share Growth (YoY) | -18.37% | -18.06% | -14.97% | -8.19% | -8.96% | +941 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.04% | 2.56% | 0.34% | 0.06% | 0.01% | -103 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 11.21% | 11.30% | 1.79% | 2.14% | 3.41% | -781 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.76% | 10.16% | 9.23% | 7.73% | 7.65% | -211 bps | |
| Net Worth / Assets | 9.76% | 10.16% | 9.23% | 7.73% | 7.65% | -211 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.84% | 72.94% | 64.81% | 61.93% | 57.98% | -1,686 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |