Dallas, TX · Charter 67585
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Dallas, TX · Charter 67585
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 | -0.13% | 2.44% | 0.49% | -3.19% | -1.07% | -94 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -6.02% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.29% | 4.21% | 4.96% | n/a | |
| Efficiency Ratio | n/a | n/a | 85.47% | 74.62% | 74.21% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -2.04% | -5.01% | -17.65% | -23.25% | -26.83% | -2,479 bps | |
| Loan Growth (YoY) | -40.12% | -26.83% | -27.27% | 14.88% | 22.45% | +6,257 bps | |
| Share Growth (YoY) | 0.14% | -3.51% | -16.72% | -25.69% | -30.37% | -3,051 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.03% | 2.69% | 14.13% | 8.46% | 9.98% | +595 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.89% | 1.14% | 1.49% | 3.45% | 2.92% | +203 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 17.70% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 17.70% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.80% | 59.14% | 73.02% | 85.80% | 103.40% | +4,460 bps | |
| Liquid Assets / Assets | 40.57% | 34.94% | 37.57% | 24.34% | 15.24% | -2,532 bps | |