Garland, TX · Charter 67665
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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.
Garland, TX · Charter 67665
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.01% | 4.13% | 3.78% | 2.98% | 0.98% | -303 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 9.40% | 10.31% | 10.25% | 6.70% | 11.35% | +196 bps | |
| Loan Growth (YoY) | 9.98% | 8.44% | -3.36% | -11.88% | -10.24% | -2,022 bps | |
| Share Growth (YoY) | 7.21% | 8.86% | 7.68% | 4.12% | 13.77% | +656 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.87% | 0.49% | 0.63% | 0.64% | 0.17% | -70 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.17% | 1.10% | 1.37% | 1.07% | 1.20% | +3 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 | 82.58% | 77.21% | 74.05% | 68.93% | 65.16% | -1,743 bps | |
| Liquid Assets / Assets | 18.90% | 17.83% | 21.11% | 0.00% | 30.15% | +1,125 bps | |