PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Baytown City Employees

Baytown, TX · Charter 60591

Q2 1996

$3.1MAssets
$2.4MLoans
$2.5MShares
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 -0.37%, down 565 bps year over year.
  • Asset quality: problem loans at 1.42% of loans (+130 bps YoY).
  • Funding: loans stand at 96.13% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

-0.37%-565 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 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets5.28%5.09%4.61%4.44%-0.37%-565 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/an/an/a-7.61%n/an/a
Loan Growth (YoY)n/an/an/an/a2.66%n/an/a
Share Growth (YoY)n/an/an/an/a-11.16%n/an/a
Asset Quality
Delinquent Loans / Loans0.12%0.42%0.42%0.87%1.42%+130 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.23%0.30%0.25%0.64%0.33%+10 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 / Shares83.19%84.75%94.44%97.32%96.13%+1,294 bps
Liquid Assets / Assets14.63%2.96%20.98%19.94%12.68%-196 bps