Marshall, TX · Charter 8621
Q3 2004
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.53% | -0.67% | -1.44% | -0.98% | -10.31% | -978 bps | |
| Return on Equity | -2.96% | -3.68% | -8.26% | -5.55% | -72.86% | -6,990 bps | |
| Net Interest Margin | 3.60% | 3.88% | 3.45% | 3.65% | 4.10% | +50 bps | |
| Efficiency Ratio | 101.55% | 105.80% | 114.19% | 110.83% | 159.15% | +5,760 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.03% | -6.37% | -7.18% | -8.84% | -23.15% | -1,312 bps | |
| Loan Growth (YoY) | -18.08% | -19.87% | -8.42% | -20.53% | -22.34% | -425 bps | |
| Share Growth (YoY) | -11.28% | -6.80% | -6.71% | -8.08% | -19.86% | -858 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 18.21% | 15.08% | 15.28% | 15.77% | 16.75% | -146 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.26% | 1.41% | 3.89% | 5.94% | 16.75% | +1,150 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.85% | 18.19% | 17.37% | 17.72% | 14.15% | -370 bps | |
| Net Worth / Assets | 17.85% | 18.19% | 17.37% | 17.72% | 14.15% | -370 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.72% | 53.93% | 53.40% | 52.67% | 56.90% | -182 bps | |
| Liquid Assets / Assets | 51.98% | 54.18% | 54.84% | 56.07% | 56.65% | +467 bps | |