Bellaire, TX · Charter 13122
Q2 1998
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.84% | 2.93% | 3.37% | 3.27% | -2.16% | -500 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) | -72.56% | -40.88% | -41.08% | -35.08% | -24.45% | +4,811 bps | |
| Loan Growth (YoY) | -42.91% | -39.92% | -30.68% | -31.94% | -33.97% | +894 bps | |
| Share Growth (YoY) | -73.39% | -41.88% | -38.47% | -35.26% | -25.43% | +4,796 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 19.00% | 5.60% | 11.11% | 7.14% | 8.64% | -1,035 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.84% | 5.66% | 6.17% | 4.72% | 6.63% | +79 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 | 96.88% | 99.11% | 107.98% | 94.15% | 85.79% | -1,109 bps | |
| Liquid Assets / Assets | 11.88% | 13.94% | 6.72% | 15.87% | 24.44% | +1,256 bps | |