PackageTrendsPeer
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Garland

Garland, TX · Charter 67665

Q4 1998

$15.0MAssets
$8.8MLoans
$13.5MShares
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 0.98%, down 303 bps year over year.
  • Asset quality: problem loans at 0.17% of loans (-70 bps YoY).
  • Funding: loans stand at 65.16% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

0.98%-303 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets4.01%4.13%3.78%2.98%0.98%-303 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/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 / Loans0.87%0.49%0.63%0.64%0.17%-70 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.17%1.10%1.37%1.07%1.20%+3 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 / Shares82.58%77.21%74.05%68.93%65.16%-1,743 bps
Liquid Assets / Assets18.90%17.83%21.11%0.00%30.15%+1,125 bps