Dallas, TX · Charter 67453
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 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 67453
Q2 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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.41% | 3.52% | 2.99% | 3.10% | 2.48% | -93 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -12.75% | -8.40% | -9.54% | -10.49% | -7.22% | +553 bps | |
| Loan Growth (YoY) | -16.01% | -19.59% | -27.36% | -36.45% | -38.56% | -2,254 bps | |
| Share Growth (YoY) | -15.35% | -10.42% | -11.41% | -12.57% | -8.71% | +664 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.33% | 0.00% | 1.76% | 1.23% | 1.81% | +148 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.56% | 1.52% | 1.86% | 1.45% | 1.61% | +5 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 | 74.36% | 69.80% | 57.20% | 53.69% | 50.04% | -2,431 bps | |
| Liquid Assets / Assets | 40.26% | 35.04% | 46.34% | 50.68% | 53.70% | +1,344 bps | |