Port Lavaca, TX · Charter 9794
Q3 2004
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.62% | 0.57% | 0.34% | 0.46% | -0.87% | -148 bps | |
| Return on Equity | 7.21% | 6.75% | 4.19% | 5.66% | -11.50% | -1,871 bps | |
| Net Interest Margin | 3.27% | 3.22% | 2.76% | 2.74% | 2.14% | -113 bps | |
| Efficiency Ratio | 81.20% | 81.80% | 82.62% | 80.46% | 102.85% | +2,165 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.59% | 17.83% | 13.21% | 13.84% | 9.13% | -846 bps | |
| Loan Growth (YoY) | 2.53% | 2.38% | 3.99% | 23.97% | 31.00% | +2,847 bps | |
| Share Growth (YoY) | 18.53% | 18.89% | 12.66% | 13.23% | 6.97% | -1,156 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.54% | 0.82% | 0.81% | 0.46% | 0.46% | -8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.15% | 0.18% | 0.23% | 0.17% | 0.49% | +34 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.55% | 8.49% | 8.19% | 8.13% | 7.53% | -102 bps | |
| Net Worth / Assets | 8.55% | 8.49% | 8.19% | 8.13% | 7.53% | -102 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.59% | 69.10% | 66.24% | 78.93% | 87.67% | +1,608 bps | |
| Liquid Assets / Assets | 11.90% | 12.70% | 11.24% | 9.40% | 5.86% | -604 bps | |