Odessa, TX · Charter 68250
Q1 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.73% | 0.48% | 0.52% | 0.53% | 0.56% | -17 bps | |
| Return on Equity | 4.28% | 2.80% | 3.07% | 3.05% | 3.34% | -94 bps | |
| Net Interest Margin | 3.88% | 4.07% | 4.05% | 4.20% | 4.26% | +37 bps | |
| Efficiency Ratio | 95.85% | 95.01% | 91.09% | 89.33% | 90.98% | -487 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.69% | 1.64% | 7.37% | 7.08% | 4.49% | +380 bps | |
| Loan Growth (YoY) | 1.44% | 0.90% | -1.51% | 8.00% | 8.56% | +712 bps | |
| Share Growth (YoY) | -0.69% | 1.86% | 8.74% | 8.48% | 6.34% | +703 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.84% | 0.65% | 0.32% | 0.30% | 0.08% | -76 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.88% | 0.71% | 0.66% | 0.78% | 0.74% | -14 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.08% | 17.18% | 16.90% | 17.32% | 16.82% | -26 bps | |
| Net Worth / Assets | 17.08% | 17.18% | 16.90% | 17.32% | 16.82% | -26 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.47% | 74.59% | 72.37% | 78.90% | 77.04% | +158 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |