Carrollton, TX · Charter 61947
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.13% | 4.70% | 3.38% | 2.51% | -11.88% | -1,701 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) | 5.52% | 1.40% | -20.90% | -12.53% | -19.96% | -2,548 bps | |
| Loan Growth (YoY) | 3.90% | 7.27% | -11.02% | -12.39% | -4.43% | -833 bps | |
| Share Growth (YoY) | -11.18% | -2.10% | -16.25% | -16.23% | -7.08% | +410 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.17% | 5.19% | 2.56% | 3.22% | 23.96% | +2,179 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.26% | 2.95% | 2.75% | 4.22% | 10.94% | +668 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 | 98.76% | 91.76% | 100.10% | 105.81% | 101.58% | +282 bps | |
| Liquid Assets / Assets | 11.61% | 13.16% | 15.80% | 12.09% | 6.40% | -521 bps | |