Euless, TX · Charter 22297
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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.
Euless, TX · Charter 22297
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.78% | 4.34% | 3.99% | 0.81% | -20.61% | -2,539 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 | 4.05% | 4.35% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 73.42% | 253% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 5.22% | 12.83% | 14.11% | 7.21% | -14.69% | -1,991 bps | |
| Loan Growth (YoY) | 1.78% | 0.51% | -13.24% | -8.25% | -8.62% | -1,040 bps | |
| Share Growth (YoY) | 4.32% | 12.81% | 21.20% | 8.67% | -8.31% | -1,263 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.06% | 1.23% | 2.46% | 2.56% | 2.20% | -86 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.43% | 1.65% | 1.70% | 1.69% | 5.10% | +367 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 | 90.28% | 82.44% | 78.68% | 88.60% | 89.97% | -31 bps | |
| Liquid Assets / Assets | 15.88% | 16.43% | 19.28% | 20.24% | 14.82% | -105 bps | |