PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Century

Houston, TX · Charter 67495

Q4 1997

$187KAssets
$176KLoans
$158KShares
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 2.93%, down 203 bps year over year.
  • Asset quality: problem loans at 2.46% of loans (-49 bps YoY).
  • Funding: loans stand at 111.28% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

2.93%-203 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets4.96%4.54%3.88%2.26%2.93%-203 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/a-4.52%-7.23%-0.55%-7.46%n/a
Loan Growth (YoY)n/a7.10%-2.31%-0.43%-8.59%n/a
Share Growth (YoY)n/a-8.55%-12.33%-1.35%-5.62%n/a
Asset Quality
Delinquent Loans / Loans2.95%0.81%2.49%3.31%2.46%-49 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.86%2.85%2.65%3.46%3.36%-50 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 / Shares114.90%112.45%110.15%106.28%111.28%-362 bps
Liquid Assets / Assets1.99%7.82%11.21%7.81%6.28%+429 bps