Mesquite, NV · Charter 64673
Q4 1999
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 | Q4 1998 | Q1 1999 | Q2 1999 | Q3 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.76% | 5.03% | -0.97% | 1.19% | 0.09% | -367 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 | 3.04% | 3.38% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 47.37% | 55.59% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 0.47% | -3.49% | -0.79% | -7.40% | -16.17% | -1,665 bps | |
| Loan Growth (YoY) | -16.28% | -11.86% | -8.47% | -7.14% | -4.55% | +1,173 bps | |
| Share Growth (YoY) | 11.50% | 2.26% | -1.41% | -8.34% | -18.08% | -2,958 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.54% | 6.05% | 5.08% | 4.13% | 5.02% | -51 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.17% | 3.26% | 4.27% | 2.92% | 3.80% | +63 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 | 75.12% | 80.04% | 76.55% | 79.98% | 87.52% | +1,240 bps | |
| Liquid Assets / Assets | 12.69% | 6.78% | 11.07% | 0.06% | 0.00% | -1,269 bps | |