Dallas, TX · Charter 6321
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, 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.
Dallas, TX · Charter 6321
Q4 1999
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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -11.73% | -2.54% | -3.75% | 5.02% | 3.21% | +1,494 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 | 7.89% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 59.61% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -51.53% | -33.13% | -49.20% | -31.63% | 7.98% | +5,951 bps | |
| Loan Growth (YoY) | -24.65% | -44.18% | -38.88% | -34.64% | -43.97% | -1,933 bps | |
| Share Growth (YoY) | -20.24% | -29.41% | -50.05% | -28.64% | -35.06% | -1,482 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 14.58% | 3.36% | 3.20% | 9.85% | 6.45% | -813 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.32% | 2.97% | 8.74% | 13.63% | 11.82% | +450 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 | 117.14% | 69.89% | 131.52% | 87.77% | 101.06% | -1,608 bps | |
| Liquid Assets / Assets | 5.18% | 34.68% | 18.29% | 16.86% | 19.19% | +1,401 bps | |