Wharton, TX · Charter 14951
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.
Wharton, TX · Charter 14951
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 | 2.70% | 3.07% | 2.61% | 3.12% | 2.43% | -27 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) | 0.32% | -10.91% | -10.38% | -18.19% | -22.48% | -2,279 bps | |
| Loan Growth (YoY) | -9.83% | -24.41% | -22.89% | -13.64% | -28.49% | -1,866 bps | |
| Share Growth (YoY) | -0.77% | -13.93% | -12.45% | -22.90% | -28.21% | -2,744 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.37% | 0.00% | 1.76% | 1.30% | 7.69% | +732 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.42% | 1.56% | 1.80% | 1.73% | 1.98% | +56 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 | 51.46% | 54.62% | 48.52% | 55.51% | 51.26% | -21 bps | |
| Liquid Assets / Assets | 49.21% | 50.84% | 53.94% | 50.35% | 53.87% | +466 bps | |