Harlingen, TX · Charter 11496
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.
Harlingen, TX · Charter 11496
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 | 4.65% | 3.84% | -2.01% | -0.64% | 2.90% | -175 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 | -19.22% | -13.24% | -8.01% | n/a | |
| Loan Growth (YoY) | n/a | n/a | -34.29% | -24.08% | -13.94% | n/a | |
| Share Growth (YoY) | n/a | n/a | -20.20% | -12.70% | -5.37% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.92% | 4.21% | 8.46% | 5.34% | 8.68% | -223 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.31% | 2.06% | 8.61% | 7.64% | 8.24% | -7 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 | 75.30% | 68.11% | 59.73% | 66.08% | 68.48% | -682 bps | |
| Liquid Assets / Assets | 42.15% | 42.10% | 52.74% | 47.85% | 41.86% | -30 bps | |