PackageTrendsPeer
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Playas

Playas, NM · Charter 23698

Q2 1999

$1.7MAssets
$913KLoans
$1.4MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.26%, down 224 bps year over year.
  • Asset quality: problem loans at 0.75% of loans (+75 bps YoY).
  • Funding: loans stand at 66.14% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

2.26%-224 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets4.50%4.60%3.96%3.60%2.26%-224 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)10.98%20.85%14.65%19.72%14.37%+339 bps
Loan Growth (YoY)13.14%16.39%3.14%-14.39%-16.35%-2,949 bps
Share Growth (YoY)8.73%21.23%13.77%22.37%15.87%+714 bps
Asset Quality
Delinquent Loans / Loans0.00%0.32%4.99%0.12%0.75%+75 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.48%2.75%3.38%0.00%0.74%-174 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares91.62%85.45%76.69%72.89%66.14%-2,548 bps
Liquid Assets / Assets24.46%31.20%37.28%32.10%42.93%+1,848 bps