El Paso, TX · Charter 22193
Q2 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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.10% | 4.06% | 3.53% | 3.72% | 3.90% | -20 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) | 20.82% | 15.65% | 18.79% | 23.12% | 20.17% | -65 bps | |
| Loan Growth (YoY) | 50.95% | 45.54% | 36.47% | 27.52% | 22.87% | -2,808 bps | |
| Share Growth (YoY) | 18.17% | 8.08% | 17.13% | 23.46% | 20.11% | +194 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.07% | 1.75% | 0.71% | 0.96% | 0.64% | -44 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.62% | 1.13% | 1.01% | 0.79% | 0.74% | -88 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 | 80.94% | 99.00% | 86.58% | 87.63% | 82.80% | +186 bps | |
| Liquid Assets / Assets | 23.77% | 12.48% | 19.52% | 17.82% | 22.64% | -113 bps | |