Port Neches, TX · Charter 7232
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.
Port Neches, TX · Charter 7232
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 | 0.26% | 0.45% | 1.37% | 1.35% | 1.04% | +78 bps | |
| Return on Equity | 2.39% | 4.07% | 12.02% | 11.50% | 8.74% | +636 bps | |
| Net Interest Margin | 3.38% | 3.49% | 3.66% | 3.74% | 3.67% | +29 bps | |
| Efficiency Ratio | 82.87% | 81.06% | 73.81% | 74.75% | 75.81% | -706 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.63% | 7.31% | 2.65% | 2.56% | -0.52% | -1,014 bps | |
| Loan Growth (YoY) | 3.92% | 6.54% | 12.02% | 10.14% | 3.26% | -66 bps | |
| Share Growth (YoY) | 10.43% | 6.85% | 2.20% | 2.92% | -2.02% | -1,246 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.52% | 0.62% | 0.45% | 0.33% | 0.34% | -18 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.86% | 0.93% | 0.84% | 0.83% | 1.25% | +38 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.82% | 11.19% | 11.39% | 11.73% | 11.91% | +109 bps | |
| Net Worth / Assets | 10.82% | 11.19% | 11.39% | 11.73% | 11.91% | +109 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.48% | 72.18% | 72.34% | 72.97% | 73.23% | +375 bps | |
| Liquid Assets / Assets | 31.16% | 28.23% | 28.88% | 28.55% | 30.29% | -87 bps | |