Wichita Falls, TX · Charter 4207
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Wichita Falls, TX · Charter 4207
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 | 4.30% | 4.56% | 4.49% | 4.63% | 4.95% | +64 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) | 27.17% | 16.62% | 20.51% | 10.47% | 2.17% | -2,500 bps | |
| Loan Growth (YoY) | 73.29% | 65.58% | 67.84% | 40.82% | 14.04% | -5,925 bps | |
| Share Growth (YoY) | 24.30% | 27.27% | 18.44% | 9.30% | 2.91% | -2,139 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.50% | 0.56% | 0.90% | 1.70% | 1.10% | +61 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.94% | 1.05% | 0.86% | 1.08% | 0.93% | -1 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 | 84.74% | 95.11% | 100.91% | 97.57% | 93.91% | +917 bps | |
| Liquid Assets / Assets | 12.01% | 8.74% | 6.14% | 6.73% | 10.93% | -108 bps | |