PackageTrendsPeer
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Corpus Christi Chrome

Corpus Christ, TX · Charter 2766

Q2 2000

$2.8MAssets
$2.0MLoans
$2.2MShares
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 2.42%, down 140 bps year over year; NIM at 5.39%.
  • Asset quality: problem loans at 0.53% of loans (-115 bps YoY).
  • Funding: loans stand at 92.73% of shares as of Q2 2000.

Financial Results

Return on Assets (YTD, annualized)

2.42%-140 bps YoY

Net Interest Margin (YTD, annualized)

5.39%

Efficiency Ratio (YTD, annualized)

56.50%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets3.82%3.96%3.61%0.90%2.42%-140 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a4.73%5.39%n/a
Efficiency Ration/an/an/a72.22%56.50%n/a
Growth
Asset Growth (YoY)-5.03%-1.61%1.28%3.13%-5.26%-22 bps
Loan Growth (YoY)29.41%27.15%16.10%-6.65%0.12%-2,930 bps
Share Growth (YoY)-8.70%-4.15%-0.33%3.20%-11.37%-267 bps
Asset Quality
Delinquent Loans / Loans1.68%3.06%0.88%0.07%0.53%-115 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.38%0.38%0.40%0.31%0.30%-8 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 / Shares82.09%81.47%76.08%80.84%92.73%+1,064 bps
Liquid Assets / Assets24.76%24.30%34.69%19.92%13.77%-1,099 bps