Dallas, TX · Charter 22878
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.
Dallas, TX · Charter 22878
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 | 3.58% | 5.02% | 4.43% | -0.84% | -0.84% | -442 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) | 6.82% | 6.73% | 6.68% | -17.11% | -22.36% | -2,918 bps | |
| Loan Growth (YoY) | 8.80% | 5.59% | -7.55% | -16.16% | -24.85% | -3,365 bps | |
| Share Growth (YoY) | -5.66% | 5.11% | 4.15% | -29.85% | -27.59% | -2,193 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.74% | 0.24% | 9.76% | 3.17% | 3.17% | +143 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.66% | 0.82% | 1.10% | 0.90% | 0.90% | +24 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 | 146.95% | 138.52% | 118.82% | 152.51% | 152.51% | +556 bps | |
| Liquid Assets / Assets | 1.04% | 1.08% | 10.58% | 1.31% | 1.31% | +27 bps | |