San Antonio, TX · Charter 3659
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.40% | 4.37% | 7.78% | 2.24% | -6.31% | -1,171 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) | 14.04% | 46.79% | 118.48% | 112.30% | 38.27% | +2,423 bps | |
| Loan Growth (YoY) | 39.89% | 149.27% | 175.62% | 142.51% | 54.58% | +1,469 bps | |
| Share Growth (YoY) | 10.64% | 36.58% | 112.24% | 120.59% | 53.43% | +4,280 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.98% | 4.17% | 11.35% | 21.34% | 8.62% | +463 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.00% | 1.28% | 1.06% | 7.83% | 2.88% | +88 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 | 97.24% | 106.79% | 109.38% | 110.59% | 97.96% | +72 bps | |
| Liquid Assets / Assets | 8.25% | 6.21% | 4.87% | 4.35% | 4.24% | -400 bps | |