PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Jefferson County Employees CU

Beaumont, TX · Charter 67600

Q2 2001

$6.2MAssets
$4.2MLoans
$5.2MShares
$1.0MNet 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 0.77%, down 259 bps year over year; NIM at 4.61%.
  • Asset quality: problem loans at 1.60% of loans (+132 bps YoY).
  • Capital: net worth / assets of 16.23%.
  • Funding: loans stand at 81.40% of shares as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

0.77%-259 bps YoY

Net Interest Margin (YTD, annualized)

4.61%

Efficiency Ratio (YTD, annualized)

84.50%

Net Worth / Assets

16.23%

Year to date, annualized, through each quarter.

MetricQ2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets3.35%0.92%0.51%0.80%0.77%-259 bps
Return on Equityn/an/an/a4.46%4.73%n/a
Net Interest Marginn/a5.36%5.11%5.47%4.61%n/a
Efficiency Ration/a81.25%87.78%83.97%84.50%n/a
Growth
Asset Growth (YoY)16.55%13.39%11.97%0.35%7.74%-881 bps
Loan Growth (YoY)8.41%11.06%13.23%17.92%2.95%-547 bps
Share Growth (YoY)18.94%14.96%12.85%-1.68%7.50%-1,144 bps
Asset Quality
Delinquent Loans / Loans0.27%0.44%0.40%1.27%1.60%+132 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.68%0.48%0.36%0.57%0.71%+3 bps
Capital
Risk-Based Capitaln/an/an/a17.93%16.23%n/a
Net Worth / Assetsn/an/an/a17.93%16.23%n/a
Liquidity & Funding
Loans / Shares85.01%96.60%96.70%101.61%81.40%-360 bps
Liquid Assets / Assets20.72%10.62%12.52%11.17%27.05%+633 bps