PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Local 500 IBEW

San Antonio, TX · Charter 1160

Q4 1997

$12.0MAssets
$7.0MLoans
$10.1MShares
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 73 bps year over year.
  • Asset quality: problem loans at 2.67% of loans (-3 bps YoY).
  • Funding: loans stand at 69.19% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

2.90%-73 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.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.63%3.14%3.16%2.45%2.90%-73 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/a-7.62%-3.77%-2.35%-1.76%n/a
Loan Growth (YoY)n/a8.89%3.81%-2.92%-1.36%n/a
Share Growth (YoY)n/a-9.49%-5.21%-1.72%-1.62%n/a
Asset Quality
Delinquent Loans / Loans2.70%2.40%2.88%2.26%2.67%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.31%1.35%1.23%1.54%1.31%+1 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 / Shares69.01%67.02%71.96%68.93%69.19%+18 bps
Liquid Assets / Assets34.90%37.13%32.65%34.81%35.35%+45 bps