Sun City West, AZ · Charter 22640
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 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.
Sun City West, AZ · Charter 22640
Q4 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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.82% | 4.35% | 4.26% | 4.21% | 3.94% | +111 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) | 11.39% | 12.47% | 17.46% | 12.56% | 18.84% | +745 bps | |
| Loan Growth (YoY) | 20.06% | 13.01% | 8.35% | 3.59% | -5.10% | -2,516 bps | |
| Share Growth (YoY) | 12.89% | 12.24% | 17.73% | 12.27% | 18.00% | +511 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.38% | 1.32% | 1.37% | 1.34% | 0.94% | -44 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.89% | 0.97% | 0.84% | 0.95% | 0.92% | +3 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 | 96.51% | 92.30% | 87.48% | 86.70% | 77.62% | -1,889 bps | |
| Liquid Assets / Assets | 2.63% | 7.21% | 11.56% | 13.00% | 18.99% | +1,636 bps | |