PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Permian Basin

Odessa, TX · Charter 10109

Q4 1996

$8.4MAssets
$6.9MLoans
$7.1MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 4.33%, up 6 bps year over year.
  • Asset quality: problem loans at 1.98% of loans (+134 bps YoY).
  • Funding: loans stand at 97.11% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

4.33%+6 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets4.27%4.60%4.42%4.11%4.33%+6 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/a23.70%28.27%n/a
Loan Growth (YoY)n/an/an/a49.32%42.79%n/a
Share Growth (YoY)n/an/an/a24.71%29.69%n/a
Asset Quality
Delinquent Loans / Loans0.64%0.68%0.48%0.75%1.98%+134 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.55%1.30%1.18%1.25%0.95%-60 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares88.20%98.53%95.77%98.89%97.11%+891 bps
Liquid Assets / Assets20.72%14.25%16.37%11.04%11.26%-946 bps