Fort Worth, TX · Charter 702
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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 702
Q1 2010
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.55% | -0.91% | -0.86% | -1.31% | -2.61% | +94 bps | |
| Return on Equity | -16.12% | -4.04% | -4.07% | -6.21% | -12.92% | +320 bps | |
| Net Interest Margin | 2.79% | 2.59% | 2.41% | 2.49% | 1.82% | -96 bps | |
| Efficiency Ratio | 105.76% | 78.43% | 89.69% | 109.88% | 393% | +28,678 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.17% | -5.36% | 3.57% | 3.79% | 3.46% | +763 bps | |
| Loan Growth (YoY) | -11.64% | -17.58% | -21.26% | -25.53% | -26.91% | -1,527 bps | |
| Share Growth (YoY) | -4.00% | -5.82% | 5.38% | 6.39% | 5.58% | +958 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.15% | 0.16% | 0.19% | 1.25% | 0.13% | -102 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.28% | 1.98% | 1.97% | 2.38% | 2.69% | +41 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.03% | 22.52% | 21.04% | 21.13% | 20.21% | -182 bps | |
| Net Worth / Assets | 22.03% | 22.52% | 21.04% | 21.13% | 20.21% | -182 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.35% | 62.86% | 53.90% | 50.66% | 45.93% | -2,042 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |