PackageTrendsPeer
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Saguaro

Tucson, AZ · Charter 60695

Q2 1999

$125.9MAssets
$70.6MLoans
$106.6MShares
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 4.05%, down 39 bps year over year.
  • Asset quality: problem loans at 0.92% of loans (+66 bps YoY).
  • Funding: loans stand at 66.28% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

4.05%-39 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1998Q3 1998Q4 1998Q1 1999Q2 1999YoY ΔTrend
Earnings
Return on Assets4.44%4.04%4.26%4.59%4.05%-39 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)22.95%25.27%0.80%-8.42%-10.63%-3,357 bps
Loan Growth (YoY)11.27%29.99%31.93%17.23%5.37%-590 bps
Share Growth (YoY)22.48%30.82%31.74%9.10%-1.21%-2,369 bps
Asset Quality
Delinquent Loans / Loans0.27%0.36%0.76%0.90%0.92%+66 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.86%0.93%1.05%1.26%1.43%+58 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 / Shares62.15%61.67%64.01%65.58%66.28%+414 bps
Liquid Assets / Assets12.58%18.43%12.69%14.99%13.44%+87 bps