Coppell, TX · Charter 60604
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Coppell, TX · Charter 60604
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.42% | 0.83% | 0.67% | 0.93% | 0.67% | -275 bps | |
| Return on Equity | n/a | n/a | n/a | 4.62% | 3.09% | n/a | |
| Net Interest Margin | n/a | 5.69% | 5.64% | 6.75% | 6.32% | n/a | |
| Efficiency Ratio | n/a | 85.88% | 88.43% | 86.65% | 89.94% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 1.85% | 4.72% | 1.67% | -15.48% | -25.21% | -2,706 bps | |
| Loan Growth (YoY) | 23.90% | 23.40% | 3.36% | -1.71% | -28.56% | -5,246 bps | |
| Share Growth (YoY) | -5.01% | 3.48% | 0.09% | -23.21% | -25.69% | -2,068 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.40% | 0.02% | 7.96% | 4.04% | 2.18% | -22 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.72% | 1.83% | 1.90% | 1.96% | 1.32% | -39 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 20.17% | 21.58% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 20.17% | 21.58% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 119.49% | 114.94% | 110.41% | 131.83% | 114.87% | -462 bps | |
| Liquid Assets / Assets | 0.27% | 4.60% | 11.67% | 0.21% | 10.90% | +1,063 bps | |