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Red Arrow-American

San Antonio, TX · Charter 63049

Q2 1999

$3.1MAssets
$1.8MLoans
$2.7MShares
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 2.25%, down 135 bps year over year.
  • Asset quality: problem loans at 1.30% of loans (-204 bps YoY).
  • Funding: loans stand at 66.30% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

2.25%-135 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 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets3.60%2.93%1.29%2.60%2.25%-135 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)4.70%0.50%-3.32%-1.68%-5.81%-1,052 bps
Loan Growth (YoY)-7.16%-5.42%-1.31%-20.76%-26.47%-1,931 bps
Share Growth (YoY)11.67%1.59%-1.52%-0.57%-5.00%-1,667 bps
Asset Quality
Delinquent Loans / Loans3.34%5.52%1.95%1.67%1.30%-204 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.70%2.48%2.77%2.32%2.91%+121 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 / Shares85.67%84.74%83.51%74.00%66.30%-1,936 bps
Liquid Assets / Assets18.53%17.44%19.32%25.56%28.66%+1,013 bps