Dallas, TX · Charter 23791
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.57% | 1.52% | 1.85% | 1.34% | 0.42% | -114 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) | 5.80% | 10.75% | 4.67% | 14.59% | 13.75% | +796 bps | |
| Loan Growth (YoY) | 0.89% | -2.15% | -25.77% | -8.66% | -29.01% | -2,990 bps | |
| Share Growth (YoY) | 23.53% | 39.00% | 13.75% | 48.50% | 47.14% | +2,361 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.14% | 0.64% | 0.28% | 1.07% | 4.55% | +441 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 11.42% | 12.73% | 17.04% | 17.04% | 17.41% | +599 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 | 156.81% | 139.30% | 101.54% | 77.73% | 75.66% | -8,115 bps | |
| Liquid Assets / Assets | 50.48% | 51.35% | 51.11% | 56.27% | 48.50% | -198 bps | |