PackageTrendsPeer
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Trinity

Ennis, TX · Charter 67591

Q4 1999

$792KAssets
$641KLoans
$694KShares
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 -4.50%, down 875 bps year over year; NIM at 8.91%.
  • Asset quality: problem loans at 5.48% of loans (+155 bps YoY).
  • Funding: loans stand at 92.34% of shares as of Q4 1999.

Financial Results

Return on Assets (quarter, annualized)

-4.50%-875 bps YoY

Net Interest Margin (quarter, annualized)

8.91%

Efficiency Ratio (quarter, annualized)

65.42%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets4.25%4.30%2.53%-2.43%-4.50%-875 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a8.91%n/an/a
Efficiency Ration/an/an/an/a65.42%n/an/a
Growth
Asset Growth (YoY)8.68%18.22%25.14%9.07%-8.34%-1,702 bps
Loan Growth (YoY)1.28%12.30%16.87%10.62%-3.08%-436 bps
Share Growth (YoY)7.67%18.92%26.50%11.87%-6.55%-1,421 bps
Asset Quality
Delinquent Loans / Loans3.92%3.69%11.53%5.20%5.48%+155 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.13%1.89%1.58%1.22%0.77%-36 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 / Shares89.04%83.02%90.91%90.11%92.34%+330 bps
Liquid Assets / Assets14.52%21.94%13.45%12.16%3.79%-1,074 bps