PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Victor Employees

Denton, TX · Charter 67424

Q2 1998

$5.4MAssets
$3.6MLoans
$4.4MShares
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 5.64%, down 9 bps year over year.
  • Asset quality: problem loans at 0.44% of loans (+15 bps YoY).
  • Funding: loans stand at 80.95% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

5.64%-9 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 Assets5.73%5.25%5.56%5.69%5.64%-9 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)14.67%16.88%22.66%22.21%23.52%+886 bps
Loan Growth (YoY)11.04%13.11%6.52%17.27%12.26%+122 bps
Share Growth (YoY)14.09%17.56%24.32%23.42%24.85%+1,076 bps
Asset Quality
Delinquent Loans / Loans0.29%1.41%0.17%0.76%0.44%+15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.62%0.97%0.47%0.60%0.53%-9 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 / Shares90.04%88.25%78.93%86.96%80.95%-908 bps
Liquid Assets / Assets16.12%12.73%14.00%15.15%21.29%+517 bps