Dallas, TX · Charter 20821
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Dallas, TX · Charter 20821
Q4 1999
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.41% | 4.46% | 4.63% | 4.31% | -0.02% | -544 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 | 2.31% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 93.98% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -5.18% | -5.18% | -3.58% | -24.70% | -34.06% | -2,887 bps | |
| Loan Growth (YoY) | 7.22% | 10.52% | -7.11% | -10.31% | -41.90% | -4,912 bps | |
| Share Growth (YoY) | -17.04% | -11.25% | -9.43% | -38.03% | -43.46% | -2,642 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.18% | 2.91% | 3.33% | 19.19% | 9.10% | +492 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.99% | 1.96% | 2.18% | 0.26% | 1.71% | -28 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 | 129.58% | 124.89% | 113.62% | 141.11% | 133.18% | +359 bps | |
| Liquid Assets / Assets | 1.93% | 6.65% | 11.52% | 1.85% | 12.14% | +1,020 bps | |