San Marcos, TX · Charter 7560
Q3 2012
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.96% | -3.02% | -3.07% | -2.99% | -7.00% | -404 bps | |
| Return on Equity | -24.90% | -26.07% | -30.26% | -31.47% | -110.24% | -8,534 bps | |
| Net Interest Margin | 3.51% | 3.51% | 2.68% | 2.57% | 2.54% | -97 bps | |
| Efficiency Ratio | 173.71% | 175.58% | 191.88% | 195.45% | 335% | +16,151 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.24% | 2.90% | -4.89% | 1.04% | -3.52% | -476 bps | |
| Loan Growth (YoY) | -18.19% | -12.01% | -22.43% | -22.82% | -29.35% | -1,115 bps | |
| Share Growth (YoY) | 3.98% | 4.78% | -3.44% | 4.48% | 3.46% | -51 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.36% | 0.73% | 0.61% | 0.75% | 0.00% | -36 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 0.80% | 0.92% | 1.13% | 0.43% | -34 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.89% | 11.58% | 10.14% | 9.49% | 6.35% | -554 bps | |
| Net Worth / Assets | 11.89% | 11.58% | 10.14% | 9.49% | 6.35% | -554 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.60% | 44.59% | 36.06% | 33.29% | 31.14% | -1,446 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |