PackageTrendsPeer
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Fort Worth

Fort Worth, TX · Charter 4013

Q1 2001

$455.0MAssets
$243.8MLoans
$401.8MShares
$50.0MNet 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 0.61%, down 7 bps year over year; NIM at 2.41%.
  • Asset quality: problem loans at 0.55% of loans (+5 bps YoY).
  • Capital: net worth / assets of 10.99%.
  • Funding: loans stand at 60.68% of shares as of Q1 2001.

Financial Results

Return on Assets (YTD, annualized)

0.61%-7 bps YoY

Net Interest Margin (YTD, annualized)

2.41%-10 bps YoY

Efficiency Ratio (YTD, annualized)

69.82%+211 bps YoY

Net Worth / Assets

10.99%

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.68%0.73%0.79%0.35%0.61%-7 bps
Return on Equityn/an/an/a3.08%5.54%n/a
Net Interest Margin2.52%2.50%2.52%2.06%2.41%-10 bps
Efficiency Ratio67.71%66.64%65.05%76.23%69.82%+211 bps
Growth
Asset Growth (YoY)2.48%2.17%2.25%4.03%8.11%+563 bps
Loan Growth (YoY)13.98%14.75%15.12%15.31%9.18%-480 bps
Share Growth (YoY)1.85%1.47%1.71%4.10%8.83%+698 bps
Asset Quality
Delinquent Loans / Loans0.50%0.41%0.62%0.83%0.55%+5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.70%0.68%0.67%0.67%0.69%-1 bps
Capital
Risk-Based Capitaln/an/an/a11.33%10.99%n/a
Net Worth / Assetsn/an/an/a11.33%10.99%n/a
Liquidity & Funding
Loans / Shares60.48%62.46%64.48%64.05%60.68%+20 bps
Liquid Assets / Assets22.66%20.23%19.44%26.01%24.46%+180 bps