PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Texas Aluminum Employees

Rockwall, TX · Charter 14834

Q2 1997

$584KAssets
$420KLoans
$418KShares
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 -5.18%, down 849 bps year over year.
  • Asset quality: problem loans at 5.38% of loans (+538 bps YoY).
  • Funding: loans stand at 100.53% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

-5.18%-849 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.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.31%3.47%3.99%3.99%-5.18%-849 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/an/a2.29%2.12%14.16%n/a
Loan Growth (YoY)n/an/a30.76%18.37%-6.63%n/a
Share Growth (YoY)n/an/a4.80%3.64%-9.66%n/a
Asset Quality
Delinquent Loans / Loans0.00%0.27%0.31%0.36%5.38%+538 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.60%2.59%2.71%2.54%2.74%+13 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 / Shares97.27%97.27%88.04%96.51%100.53%+326 bps
Liquid Assets / Assets9.28%11.57%17.60%13.95%18.98%+970 bps