PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Redland Employees

San Antonio, TX · Charter 67526

Q2 1999

$1.4MAssets
$1.0MLoans
$1.0MShares
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 2.66%, down 54 bps year over year.
  • Asset quality: problem loans at 3.58% of loans (+59 bps YoY).
  • Funding: loans stand at 100.34% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

2.66%-54 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets3.19%3.32%2.94%3.19%2.66%-54 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)-7.61%-8.15%-13.43%-14.11%-11.44%-383 bps
Loan Growth (YoY)-13.50%-12.50%-2.01%-11.53%-6.71%+680 bps
Share Growth (YoY)-11.25%-12.07%-18.32%-19.08%-15.74%-449 bps
Asset Quality
Delinquent Loans / Loans3.00%2.16%2.05%2.18%3.58%+59 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.17%1.19%1.06%1.13%1.11%-5 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 / Shares90.63%95.89%104.32%101.99%100.34%+972 bps
Liquid Assets / Assets25.79%23.45%15.18%14.79%19.06%-673 bps