El Paso, TX · Charter 1574
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 | 5.09% | 4.69% | 4.47% | 4.67% | 4.72% | -37 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) | -4.11% | 13.64% | 17.40% | 10.45% | 5.68% | +979 bps | |
| Loan Growth (YoY) | 21.65% | 28.42% | 14.91% | 20.84% | 13.85% | -780 bps | |
| Share Growth (YoY) | -8.54% | 12.49% | 17.34% | 9.54% | 7.45% | +1,599 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.37% | 1.69% | 1.07% | 2.54% | 1.73% | +37 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.10% | 1.22% | 1.10% | 0.95% | 4.94% | +384 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 | 60.30% | 64.61% | 62.85% | 67.67% | 63.89% | +359 bps | |
| Liquid Assets / Assets | 18.57% | 28.80% | 12.45% | 31.99% | 36.89% | +1,832 bps | |