PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

NWT/NM

Amarillo, TX · Charter 13877

Q2 2000

$418KAssets
$336KLoans
$347KShares
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 -0.65%, down 161 bps year over year; NIM at 6.06%.
  • Asset quality: problem loans at 5.60% of loans (-982 bps YoY).
  • Funding: loans stand at 96.97% of shares as of Q2 2000.

Financial Results

Return on Assets (quarter, annualized)

-0.65%-161 bps YoY

Net Interest Margin (quarter, annualized)

6.06%

Efficiency Ratio (quarter, annualized)

79.16%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets0.96%3.27%3.02%3.09%-0.65%-161 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a5.71%6.06%n/a
Efficiency Ration/an/an/a61.08%79.16%n/a
Growth
Asset Growth (YoY)-10.89%-3.92%8.15%9.86%8.94%+1,983 bps
Loan Growth (YoY)-31.50%-11.22%4.74%20.24%31.27%+6,277 bps
Share Growth (YoY)-12.75%-7.16%6.26%5.96%5.51%+1,827 bps
Asset Quality
Delinquent Loans / Loans15.42%13.60%2.64%7.15%5.60%-982 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans8.68%5.94%4.06%4.88%2.81%-587 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 / Shares77.95%94.12%93.12%94.81%96.97%+1,903 bps
Liquid Assets / Assets24.86%19.86%19.51%16.50%0.64%-2,422 bps