Santurce, PR · Charter 13284
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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.
Santurce, PR · Charter 13284
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.74% | 3.90% | 8.20% | 1.08% | -16.55% | -2,029 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) | -1.73% | 2.99% | -46.40% | -56.30% | -63.93% | -6,220 bps | |
| Loan Growth (YoY) | 0.80% | 22.75% | -56.36% | -69.79% | -75.72% | -7,652 bps | |
| Share Growth (YoY) | -2.83% | 5.79% | -67.85% | -76.67% | -81.52% | -7,869 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.07% | 0.60% | 4.37% | 1.79% | 39.81% | +3,775 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.67% | 3.45% | 11.88% | 3.19% | 4.22% | +155 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 | 101.15% | 110.40% | 129.49% | 125.57% | 132.92% | +3,177 bps | |
| Liquid Assets / Assets | 22.57% | 14.16% | 29.79% | 49.97% | 48.31% | +2,573 bps | |