PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Joint Services

Dallas, TX · Charter 10553

Q2 1998

$14.7MAssets
$3.6MLoans
$6.4MShares
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 1.73%, down 170 bps year over year.
  • Asset quality: problem loans at 0.76% of loans (-21 bps YoY).
  • Funding: loans stand at 57.02% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

1.73%-170 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 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets3.43%2.66%2.13%2.49%1.73%-170 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)-16.07%-7.59%-6.33%-7.21%30.35%+4,642 bps
Loan Growth (YoY)26.74%34.26%12.72%6.96%-27.82%-5,456 bps
Share Growth (YoY)-18.16%-8.89%-7.57%-8.63%-33.83%-1,567 bps
Asset Quality
Delinquent Loans / Loans0.97%0.96%1.07%0.66%0.76%-21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.75%1.71%1.89%1.60%2.28%+53 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 / Shares52.27%60.09%57.56%55.57%57.02%+475 bps
Liquid Assets / Assets18.43%18.83%20.19%28.48%60.54%+4,211 bps