Dallas, TX · Charter 10411
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, 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.
Dallas, TX · Charter 10411
Q2 1997
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 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.68% | 4.08% | 4.26% | 4.41% | 4.48% | +79 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | -11.38% | -7.13% | 2.68% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 45.09% | 33.15% | 17.46% | n/a | |
| Share Growth (YoY) | n/a | n/a | 0.00% | 3.50% | 6.97% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.31% | 0.28% | 0.46% | 0.79% | 1.12% | +82 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.57% | 2.00% | 1.66% | 1.51% | 1.47% | -110 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.25% | 94.18% | 100.54% | 100.05% | 91.40% | +816 bps | |
| Liquid Assets / Assets | 19.31% | 10.87% | 3.57% | 6.40% | 14.62% | -468 bps | |