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Parmer County Teachers

Friona, TX · Charter 20124

Q2 1996

$478KAssets
$104KLoans
$450KShares
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 -6.72%, down 1,005 bps year over year.
  • Asset quality: problem loans at 13.48% of loans (+1,295 bps YoY).
  • Funding: loans stand at 23.07% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

-6.72%-1,005 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets3.33%3.96%5.28%5.79%-6.72%-1,005 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/an/an/a96.40%n/an/a
Loan Growth (YoY)n/an/an/an/a-47.27%n/an/a
Share Growth (YoY)n/an/an/an/a108.33%n/an/a
Asset Quality
Delinquent Loans / Loans0.54%1.74%0.64%0.47%13.48%+1,295 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.95%0.94%0.69%0.87%1.57%+62 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 / Shares91.14%100.36%78.99%71.09%23.07%-6,807 bps
Liquid Assets / Assets8.35%3.48%19.95%31.72%4.01%-434 bps