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Galena Park Schools

Galena Park, TX · Charter 6738

Q2 1998

$30.2MAssets
$21.0MLoans
$26.9MShares
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 3.93%, down 42 bps year over year.
  • Asset quality: problem loans at 1.41% of loans (+39 bps YoY).
  • Funding: loans stand at 78.04% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

3.93%-42 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 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets4.36%4.43%4.35%4.26%3.93%-42 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)-2.30%4.15%9.34%10.98%14.80%+1,710 bps
Loan Growth (YoY)50.12%56.11%46.43%24.70%13.08%-3,704 bps
Share Growth (YoY)-3.86%2.53%7.23%8.93%14.40%+1,825 bps
Asset Quality
Delinquent Loans / Loans1.02%1.47%2.43%0.88%1.41%+39 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.96%0.99%0.94%0.79%0.72%-24 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 / Shares78.95%83.69%83.83%82.16%78.04%-91 bps
Liquid Assets / Assets21.74%19.87%19.82%20.47%23.98%+224 bps