PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Energy Employees

Houston, TX · Charter 2599

Q2 1997

$46.0MAssets
$26.4MLoans
$39.1MShares
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 3.57%, down 5 bps year over year.
  • Asset quality: problem loans at 1.33% of loans (+80 bps YoY).
  • Funding: loans stand at 67.60% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

3.57%-5 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.62%3.67%3.51%3.61%3.57%-5 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/an/a-1.40%4.71%14.75%n/a
Loan Growth (YoY)n/an/a15.28%29.72%50.97%n/a
Share Growth (YoY)n/an/a-0.08%3.61%13.25%n/a
Asset Quality
Delinquent Loans / Loans0.53%0.83%1.00%1.56%1.33%+80 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.38%2.13%1.95%1.89%1.58%-80 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 / Shares50.71%56.40%57.93%63.13%67.60%+1,689 bps
Liquid Assets / Assets30.95%30.30%29.32%26.41%24.44%-651 bps