PackageTrendsPeer
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Plant 18

Houston, TX · Charter 18215

Q2 1997

$833KAssets
$576KLoans
$529KShares
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 1.88%, down 268 bps year over year.
  • Asset quality: problem loans at 3.78% of loans (+229 bps YoY).
  • Funding: loans stand at 108.89% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

1.88%-268 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets4.56%5.07%4.16%4.40%1.88%-268 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/a-13.81%-17.79%-49.50%n/a
Loan Growth (YoY)n/an/a-26.15%-18.79%-41.01%n/a
Share Growth (YoY)n/an/a-19.60%-24.15%-60.85%n/a
Asset Quality
Delinquent Loans / Loans1.49%1.63%3.09%3.39%3.78%+229 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.51%1.80%2.04%1.80%1.98%-54 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 / Shares72.27%78.04%80.00%85.57%108.89%+3,662 bps
Liquid Assets / Assets28.01%36.52%32.49%32.55%23.72%-429 bps