PackageTrendsPeer
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TWC

Longview, TX · Charter 24416

Q4 1997

$1.2MAssets
$711KLoans
$965KShares
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 3.54%, down 11 bps year over year.
  • Asset quality: problem loans at 0.05% of loans (-48 bps YoY).
  • Funding: loans stand at 73.73% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

3.54%-11 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.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.65%3.33%3.55%3.34%3.54%-11 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)n/a-11.83%-8.11%0.08%-9.39%n/a
Loan Growth (YoY)n/a1.71%-18.51%-25.73%-32.15%n/a
Share Growth (YoY)n/a-13.83%-9.80%-0.17%-11.63%n/a
Asset Quality
Delinquent Loans / Loans0.53%1.12%0.53%0.38%0.05%-48 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.47%1.76%2.20%2.43%2.68%+121 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 / Shares96.04%85.76%78.39%76.88%73.73%-2,231 bps
Liquid Assets / Assets16.34%24.48%30.27%30.10%35.14%+1,879 bps