PackageTrendsPeer
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Syntex Credit Union

Houston, TX · Charter 60588

Q2 1999

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 1999, the quarter ended June 30, 1999, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Syntex Credit Union

Houston, TX · Charter 60588

Q2 1999

$7.3MAssets
$5.6MLoans
$6.6MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 4.41%, up 87 bps year over year.
  • Asset quality: problem loans at 2.69% of loans (+93 bps YoY).
  • Funding: loans stand at 85.23% of shares as of Q2 1999.

Return on Assets (YTD, annualized)

4.41%+87 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets2.47%3.01%3.24%3.54%3.97%4.18%3.55%4.41%+87 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/a-11.48%-11.50%-8.14%-1.87%0.07%0.59%0.12%+825 bps
Loan Growth (YoY)n/a7.83%6.21%3.52%6.47%9.32%3.09%-7.57%-1,108 bps
Share Growth (YoY)n/a-9.39%-9.24%-4.83%-3.40%-3.94%-4.29%-2.89%+195 bps
Asset Quality
Delinquent Loans / Loans1.15%1.55%1.87%1.77%4.12%4.36%2.48%2.69%+93 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.04%1.07%0.86%1.12%1.02%0.87%1.16%0.97%-15 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares84.21%83.66%88.90%89.54%92.82%95.21%95.76%85.23%-431 bps
Liquid Assets / Assets15.40%10.22%6.44%10.66%5.50%6.83%8.15%13.46%+280 bps