PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Montgomery Ward Texas

Arlington, TX · Charter 67572

Q4 2000

$3.3MAssets
$2.5MLoans
$2.7MShares
$626KNet 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 0.51%, down 264 bps year over year; NIM at 4.88%.
  • Asset quality: problem loans at 0.34% of loans (+26 bps YoY).
  • Capital: net worth / assets of 18.90%.
  • Funding: loans stand at 93.85% of shares as of Q4 2000.

Financial Results

Return on Assets (quarter, annualized)

0.51%-264 bps YoY

Net Interest Margin (quarter, annualized)

4.88%

Efficiency Ratio (quarter, annualized)

78.82%

Net Worth / Assets

18.90%

Discrete quarter, annualized.

MetricQ4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets3.14%3.03%0.37%0.44%0.51%-264 bps
Return on Equityn/an/an/an/a2.69%n/an/a
Net Interest Marginn/an/a4.58%4.62%4.88%n/a
Efficiency Ration/an/a83.59%77.30%78.82%n/a
Growth
Asset Growth (YoY)-5.68%-5.93%-2.39%-0.99%-3.07%+261 bps
Loan Growth (YoY)-12.21%-0.74%13.50%12.98%8.44%+2,065 bps
Share Growth (YoY)-7.88%-7.05%-1.50%-2.23%-4.01%+387 bps
Asset Quality
Delinquent Loans / Loans0.09%1.05%1.79%2.11%0.34%+26 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.57%0.76%1.02%1.35%1.00%+43 bps
Capital
Risk-Based Capitaln/an/an/an/a18.90%n/an/a
Net Worth / Assetsn/an/an/an/a18.90%n/an/a
Liquidity & Funding
Loans / Shares83.07%91.98%97.76%89.81%93.85%+1,078 bps
Liquid Assets / Assets27.29%22.86%16.72%24.60%23.50%-379 bps