PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Employees

Dallas, TX · Charter 10411

Q2 1997

$33.5MAssets
$25.5MLoans
$27.9MShares
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 4.48%, up 79 bps year over year.
  • Asset quality: problem loans at 1.12% of loans (+82 bps YoY).
  • Funding: loans stand at 91.40% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

4.48%+79 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.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.68%4.08%4.26%4.41%4.48%+79 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/a-11.38%-7.13%2.68%n/a
Loan Growth (YoY)n/an/a45.09%33.15%17.46%n/a
Share Growth (YoY)n/an/a0.00%3.50%6.97%n/a
Asset Quality
Delinquent Loans / Loans0.31%0.28%0.46%0.79%1.12%+82 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.57%2.00%1.66%1.51%1.47%-110 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 / Shares83.25%94.18%100.54%100.05%91.40%+816 bps
Liquid Assets / Assets19.31%10.87%3.57%6.40%14.62%-468 bps