San Angelo, TX · Charter 61020
Q2 1998
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.46% | 3.13% | -0.29% | 1.06% | 1.79% | -168 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -6.94% | -4.95% | -10.80% | -17.12% | -19.58% | -1,263 bps | |
| Loan Growth (YoY) | 17.08% | 30.59% | 5.48% | -22.48% | -34.21% | -5,130 bps | |
| Share Growth (YoY) | -9.04% | -6.70% | -11.41% | -17.76% | -20.96% | -1,191 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 4.86% | 5.52% | 1.06% | 1.31% | +86 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.87% | 0.89% | 2.86% | 0.43% | 1.62% | +74 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.92% | 102.35% | 97.11% | 94.72% | 79.83% | -1,608 bps | |
| Liquid Assets / Assets | 10.41% | 3.25% | 8.09% | 10.65% | 14.67% | +425 bps | |