Fort Worth, TX · Charter 68473
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Fort Worth, TX · Charter 68473
Q3 2005
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.99% | 0.87% | 0.54% | 0.56% | 0.55% | -44 bps | |
| Return on Equity | 12.28% | 10.84% | 6.28% | 6.39% | 6.12% | -616 bps | |
| Net Interest Margin | 3.28% | 3.07% | 2.90% | 2.90% | 2.85% | -43 bps | |
| Efficiency Ratio | 70.74% | 72.23% | 79.76% | 79.25% | 79.26% | +852 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.50% | 7.61% | -2.46% | -2.79% | -4.79% | -1,529 bps | |
| Loan Growth (YoY) | -3.24% | -0.46% | -1.59% | -4.12% | -3.22% | +2 bps | |
| Share Growth (YoY) | 1.58% | 0.95% | -4.45% | -7.04% | -7.52% | -910 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.38% | 0.49% | 0.43% | 0.45% | 0.51% | +13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.39% | 0.41% | 0.39% | 0.42% | 0.43% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.06% | 8.01% | 8.67% | 8.83% | 9.03% | +97 bps | |
| Net Worth / Assets | 8.06% | 8.01% | 8.67% | 8.83% | 9.03% | +97 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 103.90% | 101.91% | 104.03% | 108.55% | 108.73% | +482 bps | |
| Liquid Assets / Assets | 1.50% | 3.91% | 0.66% | 1.19% | 2.66% | +116 bps | |