PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Southwestern Petroleum Employees CU

Ft. Worth, TX · Charter 67479

Q4 1999

$130KAssets
$25KLoans
$90KShares
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 0.47%, down 407 bps year over year; NIM at 4.43%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 27.55% of shares as of Q4 1999.

Financial Results

Return on Assets (YTD, annualized)

0.47%-407 bps YoY

Net Interest Margin (YTD, annualized)

4.43%

Efficiency Ratio (YTD, annualized)

91.84%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets4.54%1.46%1.55%0.36%0.47%-407 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.43%n/an/a
Efficiency Ration/an/an/an/a91.84%n/an/a
Growth
Asset Growth (YoY)-29.97%-26.39%-17.38%-24.13%6.11%+3,608 bps
Loan Growth (YoY)-35.04%-24.79%-12.96%-61.36%-69.09%-3,404 bps
Share Growth (YoY)-39.71%-35.29%-24.80%-32.51%6.84%+4,655 bps
Asset Quality
Delinquent Loans / Loans0.00%0.18%6.74%7.07%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.24%6.66%7.02%12.22%18.48%+1,324 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 / Shares95.24%69.91%69.21%42.16%27.55%-6,768 bps
Liquid Assets / Assets28.53%40.67%45.68%67.60%74.71%+4,618 bps