PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mission Employees

Houston, TX · Charter 1620

Q2 1999

$641KAssets
$514KLoans
$545KShares
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 1.56%, down 101 bps year over year.
  • Asset quality: problem loans at 14.19% of loans (+1,230 bps YoY).
  • Funding: loans stand at 94.43% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

1.56%-101 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets2.57%2.58%-2.62%-6.97%1.56%-101 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)1.80%-1.31%-24.99%-40.66%-45.44%-4,723 bps
Loan Growth (YoY)2.61%-10.65%-20.57%-36.23%-40.10%-4,270 bps
Share Growth (YoY)0.53%-5.91%-28.69%-39.68%-45.70%-4,623 bps
Asset Quality
Delinquent Loans / Loans1.89%12.11%11.66%12.94%14.19%+1,230 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.47%1.05%4.39%7.33%5.83%+437 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 / Shares85.60%74.91%81.72%93.09%94.43%+883 bps
Liquid Assets / Assets18.46%9.12%26.62%16.60%13.95%-451 bps