PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Gay & Lesbian CU

Dallas, TX · Charter 67678

Q2 1996

$525KAssets
$337KLoans
$504KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -0.10%, down 217 bps year over year.
  • Asset quality: problem loans at 3.35% of loans (+335 bps YoY).
  • Funding: loans stand at 66.98% of shares as of Q2 1996.

Return on Assets (quarter, annualized)

-0.10%-217 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets2.08%3.09%1.93%0.53%-0.10%-217 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)n/an/an/an/a-28.77%n/an/a
Loan Growth (YoY)n/an/an/an/a-29.75%n/an/a
Share Growth (YoY)n/an/an/an/a-27.39%n/an/a
Asset Quality
Delinquent Loans / Loans0.00%1.74%0.68%12.07%3.35%+335 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.26%1.43%1.16%2.78%4.03%+278 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 / Shares69.23%84.05%80.30%88.81%66.98%-225 bps
Liquid Assets / Assets11.75%3.37%12.50%5.74%14.15%+240 bps