Texas City, TX · Charter 67497
Q4 2000
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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.89% | 2.31% | -1.47% | -3.48% | -2.94% | -582 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -21.14% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 6.94% | 7.11% | 7.40% | n/a | |
| Efficiency Ratio | n/a | n/a | 68.05% | 72.03% | 73.40% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -3.55% | 1.59% | 6.72% | 12.04% | -11.03% | -747 bps | |
| Loan Growth (YoY) | -19.97% | -1.04% | 12.88% | 15.08% | 1.97% | +2,194 bps | |
| Share Growth (YoY) | -4.07% | 2.42% | 9.68% | 19.78% | -8.53% | -445 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.63% | 3.86% | 5.77% | 4.59% | 3.14% | +51 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.74% | 2.81% | 3.43% | 3.73% | 4.49% | +275 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 13.89% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 13.89% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.02% | 105.08% | 113.18% | 103.14% | 108.15% | +1,113 bps | |
| Liquid Assets / Assets | 13.04% | 10.38% | 3.04% | 10.77% | 8.97% | -407 bps | |