PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Daniel Employees Credit Union

Houston, TX · Charter 67463

Q2 1997

$2.2MAssets
$1.2MLoans
$1.9MShares
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 2.44%, down 61 bps year over year.
  • Asset quality: problem loans at 0.09% of loans (-171 bps YoY).
  • Funding: loans stand at 66.00% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

2.44%-61 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.04%3.24%2.69%2.99%2.44%-61 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)n/an/a-23.14%-23.05%-15.52%n/a
Loan Growth (YoY)n/an/a-16.56%-21.80%-7.92%n/a
Share Growth (YoY)n/an/a-24.73%-24.46%-17.77%n/a
Asset Quality
Delinquent Loans / Loans1.80%2.63%0.41%0.04%0.09%-171 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.39%1.52%0.85%0.43%0.47%-91 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 / Shares58.94%59.64%54.33%58.05%66.00%+706 bps
Liquid Assets / Assets41.86%30.61%13.35%43.70%10.44%-3,141 bps