PackageTrendsPeer
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Hath

Harlingen, TX · Charter 11496

Q2 1997

$561KAssets
$311KLoans
$454KShares
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 2.90%, down 175 bps year over year.
  • Asset quality: problem loans at 8.68% of loans (-223 bps YoY).
  • Funding: loans stand at 68.48% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

2.90%-175 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 Assets4.65%3.84%-2.01%-0.64%2.90%-175 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-19.22%-13.24%-8.01%n/a
Loan Growth (YoY)n/an/a-34.29%-24.08%-13.94%n/a
Share Growth (YoY)n/an/a-20.20%-12.70%-5.37%n/a
Asset Quality
Delinquent Loans / Loans10.92%4.21%8.46%5.34%8.68%-223 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans8.31%2.06%8.61%7.64%8.24%-7 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 / Shares75.30%68.11%59.73%66.08%68.48%-682 bps
Liquid Assets / Assets42.15%42.10%52.74%47.85%41.86%-30 bps