PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Nacogdoches Public Employees

Nacogdoches, TX · Charter 60118

Q2 1997

$200KAssets
$170KLoans
$155KShares
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 1.25%, down 120 bps year over year.
  • Asset quality: problem loans at 2.82% of loans (+279 bps YoY).
  • Funding: loans stand at 109.45% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

1.25%-120 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets2.45%2.55%2.23%2.59%1.25%-120 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)n/an/a-36.02%-45.83%-36.97%n/a
Loan Growth (YoY)n/an/a-19.02%-18.34%-23.92%n/a
Share Growth (YoY)n/an/a-40.49%-52.31%-42.65%n/a
Asset Quality
Delinquent Loans / Loans0.04%0.90%0.00%0.00%2.82%+279 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans9.52%8.75%10.68%11.46%12.52%+299 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 / Shares82.49%115.90%97.50%113.52%109.45%+2,695 bps
Liquid Assets / Assets3.08%13.86%14.46%17.61%18.86%+1,578 bps