PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

GST Employees

Rosenberg, TX · Charter 22009

Q2 2001

$898KAssets
$570KLoans
$714KShares
$183KNet 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 0.77%, down 231 bps year over year; NIM at 5.52%.
  • Asset quality: problem loans at 3.16% of loans (+300 bps YoY).
  • Capital: net worth / assets of 20.33%.
  • Funding: loans stand at 79.79% of shares as of Q2 2001.

Financial Results

Return on Assets (quarter, annualized)

0.77%-231 bps YoY

Net Interest Margin (quarter, annualized)

5.52%

Efficiency Ratio (quarter, annualized)

79.82%

Net Worth / Assets

20.33%

Discrete quarter, annualized.

MetricQ2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets3.09%0.51%0.68%0.78%0.77%-231 bps
Return on Equityn/an/an/a3.75%3.79%n/a
Net Interest Marginn/a4.11%4.49%5.91%5.52%n/a
Efficiency Ration/a84.99%82.42%76.19%79.82%n/a
Growth
Asset Growth (YoY)7.81%-4.07%-11.70%-19.83%-19.10%-2,691 bps
Loan Growth (YoY)-22.75%-13.99%-18.23%-3.77%-21.44%+131 bps
Share Growth (YoY)7.29%-6.22%-15.33%-24.28%-23.24%-3,054 bps
Asset Quality
Delinquent Loans / Loans0.15%0.04%2.55%0.86%3.16%+300 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.66%0.20%0.30%0.70%0.78%+13 bps
Capital
Risk-Based Capitaln/an/an/a20.76%20.33%n/a
Net Worth / Assetsn/an/an/a20.76%20.33%n/a
Liquidity & Funding
Loans / Shares77.96%83.60%85.21%95.82%79.79%+183 bps
Liquid Assets / Assets28.77%24.73%26.07%23.11%35.37%+660 bps