Manati, PR · Charter 22524
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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.
Manati, PR · Charter 22524
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 | 3.05% | 1.45% | -0.94% | -0.18% | 1.00% | -205 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) | 31.09% | 7.30% | 21.90% | -14.83% | -30.95% | -6,204 bps | |
| Loan Growth (YoY) | -10.76% | -9.78% | -14.10% | -23.83% | -18.70% | -794 bps | |
| Share Growth (YoY) | 33.19% | 11.70% | 29.15% | -14.84% | -30.99% | -6,418 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.63% | 2.79% | 3.33% | 0.00% | 0.81% | -182 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.09% | 3.28% | 3.72% | 0.86% | 0.88% | -221 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 | 43.48% | 52.03% | 38.37% | 49.87% | 51.22% | +774 bps | |
| Liquid Assets / Assets | 15.17% | 18.47% | 15.89% | 21.00% | 20.88% | +571 bps | |