PackageTrendsPeer
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Edgewood

San Antonio, TX · Charter 17435

Q2 1997

$3.3MAssets
$2.7MLoans
$3.1MShares
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 4.10%, up 412 bps year over year.
  • Asset quality: problem loans at 7.09% of loans (+349 bps YoY).
  • Funding: loans stand at 86.89% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

4.10%+412 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 Assets-0.02%1.45%5.32%4.51%4.10%+412 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/a15.82%29.94%22.01%n/a
Loan Growth (YoY)n/an/a90.19%101.06%78.59%n/a
Share Growth (YoY)n/an/a21.60%72.53%40.18%n/a
Asset Quality
Delinquent Loans / Loans3.59%3.61%2.75%3.94%7.09%+349 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.50%3.76%3.59%3.31%5.55%+305 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 / Shares68.20%91.30%91.91%88.12%86.89%+1,869 bps
Liquid Assets / Assets33.24%7.84%2.37%7.05%5.60%-2,765 bps