Sugarland, TX · Charter 19000
Q4 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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.28% | 3.10% | -1.78% | 3.08% | -0.31% | -358 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) | -17.05% | -8.14% | -21.55% | -22.61% | -32.89% | -1,585 bps | |
| Loan Growth (YoY) | 37.74% | 38.83% | 10.75% | -22.67% | -38.39% | -7,613 bps | |
| Share Growth (YoY) | -23.58% | -16.71% | -21.17% | -13.51% | -29.47% | -589 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.79% | 0.89% | 8.45% | 9.26% | 2.75% | +196 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.49% | 0.56% | 7.44% | 2.34% | 3.85% | +336 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 | 106.54% | 119.24% | 119.95% | 80.20% | 93.05% | -1,348 bps | |
| Liquid Assets / Assets | 3.79% | 1.58% | 2.05% | 9.68% | 1.73% | -206 bps | |