El Paso, TX · Charter 67577
Q4 1999
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.54% | 2.21% | 2.88% | -2.50% | -2.68% | -622 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 | 6.61% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 95.58% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 1.15% | -8.00% | -4.20% | -0.34% | -2.77% | -392 bps | |
| Loan Growth (YoY) | 4.52% | -0.50% | 0.41% | -1.70% | -2.94% | -747 bps | |
| Share Growth (YoY) | -0.47% | -10.65% | -6.35% | -2.58% | -0.76% | -29 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.45% | 1.91% | 7.57% | 6.58% | 3.11% | +66 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.10% | 1.29% | 0.35% | 2.76% | 2.67% | +57 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 | 107.88% | 113.63% | 109.60% | 99.08% | 105.50% | -238 bps | |
| Liquid Assets / Assets | 10.57% | 6.22% | 5.91% | 17.60% | 12.72% | +215 bps | |