Albuquerque, NM · Charter 2433
Q1 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 1997, the quarter ended March 31, 1997, 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.
Albuquerque, NM · Charter 2433
Q1 1997
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 | Q1 1996 | Q2 1996 | Q3 1996 | Q4 1996 | Q1 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.10% | 5.22% | n/a | 5.05% | 5.17% | +7 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) | 19.22% | 16.89% | 12.82% | 14.47% | 9.29% | -993 bps | |
| Loan Growth (YoY) | 31.22% | 29.27% | 28.23% | 20.86% | 16.21% | -1,501 bps | |
| Share Growth (YoY) | 19.10% | 18.00% | 14.62% | 15.82% | 11.30% | -780 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.73% | 0.71% | 0.94% | 1.35% | 1.05% | +32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.48% | 0.47% | 0.70% | 0.70% | 0.74% | +25 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 | 89.45% | 90.83% | 96.51% | 98.01% | 93.40% | +394 bps | |
| Liquid Assets / Assets | 16.38% | 14.60% | 10.10% | 8.93% | 12.42% | -395 bps | |