Orange, TX · Charter 11856
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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.
Orange, TX · Charter 11856
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.79% | 5.21% | 4.52% | 4.14% | n/a | n/a | |
| 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) | -19.40% | -14.95% | -16.02% | -17.84% | -100.00% | -8,060 bps | |
| Loan Growth (YoY) | -37.15% | -27.52% | -31.97% | -35.50% | -100.00% | -6,285 bps | |
| Share Growth (YoY) | -14.53% | -16.03% | -17.34% | -19.03% | -100.00% | -8,547 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.43% | 11.13% | 8.64% | 16.09% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.03% | 6.62% | 6.89% | 5.93% | n/a | n/a | |
| 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 | 77.34% | 84.23% | 79.45% | 70.32% | n/a | n/a | |
| Liquid Assets / Assets | 24.94% | 9.57% | 5.44% | 29.01% | n/a | n/a | |