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Mop San Antonio

San Antonio, TX · Charter 3659

Q2 1998

$2.7MAssets
$2.6MLoans
$2.6MShares
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 -6.31%, down 1,171 bps year over year.
  • Asset quality: problem loans at 8.62% of loans (+463 bps YoY).
  • Funding: loans stand at 97.96% of shares as of Q2 1998.

Financial Results

Return on Assets (quarter, annualized)

-6.31%-1,171 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets5.40%4.37%7.78%2.24%-6.31%-1,171 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)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 / Loans3.98%4.17%11.35%21.34%8.62%+463 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.00%1.28%1.06%7.83%2.88%+88 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 / Shares97.24%106.79%109.38%110.59%97.96%+72 bps
Liquid Assets / Assets8.25%6.21%4.87%4.35%4.24%-400 bps