Stephenville, TX · Charter 67533
Q4 1999
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.76% | 6.83% | -0.80% | 3.01% | 0.46% | -330 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 5.72% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 81.91% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 14.84% | 25.56% | 21.28% | 15.43% | -5.10% | -1,993 bps | |
| Loan Growth (YoY) | 27.35% | 21.27% | 13.83% | 2.86% | -7.53% | -3,488 bps | |
| Share Growth (YoY) | 16.00% | 27.98% | 35.09% | 27.64% | -0.81% | -1,681 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.80% | 10.67% | 6.31% | 3.04% | 12.92% | +412 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.22% | 3.55% | 7.07% | 7.04% | 7.97% | +475 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.89% | 76.30% | 78.29% | 64.44% | 73.54% | -535 bps | |
| Liquid Assets / Assets | 23.85% | 27.88% | 26.73% | 37.24% | 28.88% | +503 bps | |