PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Insurance Employees

Fort Worth, TX · Charter 60126

Q2 1998

$647KAssets
$248KLoans
$475KShares
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 2.06%, down 88 bps year over year.
  • Asset quality: problem loans at 0.55% of loans (+35 bps YoY).
  • Funding: loans stand at 52.19% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

2.06%-88 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets2.93%3.12%2.63%2.49%2.06%-88 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)-15.85%-12.66%-19.23%-10.08%-10.68%+517 bps
Loan Growth (YoY)2.42%-10.77%-26.34%-40.35%-48.83%-5,125 bps
Share Growth (YoY)-11.78%-8.87%-16.54%-13.82%-14.26%-249 bps
Asset Quality
Delinquent Loans / Loans0.20%1.68%3.61%2.66%0.55%+35 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.36%0.52%0.41%0.46%0.21%-15 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 / Shares87.45%85.93%75.03%62.24%52.19%-3,526 bps
Liquid Assets / Assets24.29%27.95%39.43%46.91%54.54%+3,025 bps