Fort Worth, TX · Charter 67636
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 | 3.75% | 3.42% | 0.62% | 0.69% | 0.54% | -321 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 2.71% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.45% | 4.37% | 4.26% | n/a | |
| Efficiency Ratio | n/a | n/a | 86.55% | 83.47% | 85.54% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 19.00% | 24.43% | 18.20% | 0.98% | 2.23% | -1,677 bps | |
| Loan Growth (YoY) | -6.43% | -0.22% | 8.87% | 9.44% | 24.91% | +3,134 bps | |
| Share Growth (YoY) | 24.74% | 32.21% | 21.89% | -0.05% | -1.72% | -2,646 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.43% | 1.40% | 1.68% | 1.72% | 1.86% | +43 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.43% | 0.41% | 0.31% | 0.36% | 0.39% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 19.83% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 19.83% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.48% | 76.45% | 86.91% | 85.46% | 101.01% | +2,153 bps | |
| Liquid Assets / Assets | 34.16% | 34.44% | 17.35% | 19.40% | 20.79% | -1,338 bps | |