Wichita Fall, TX · Charter 67679
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 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.
Wichita Fall, TX · Charter 67679
Q2 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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.13% | 4.32% | 4.01% | 4.05% | 4.59% | +46 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) | 30.89% | 24.62% | 29.62% | 16.25% | 2.69% | -2,820 bps | |
| Loan Growth (YoY) | 5.73% | 25.31% | -6.90% | -47.11% | -43.02% | -4,875 bps | |
| Share Growth (YoY) | 33.84% | 26.47% | 32.13% | 16.83% | 1.70% | -3,214 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 1.85% | 1.32% | 0.00% | 0.75% | +75 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.92% | 2.03% | 1.95% | 3.00% | 3.79% | +187 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 | 27.63% | 28.16% | 27.21% | 18.77% | 15.48% | -1,215 bps | |
| Liquid Assets / Assets | 71.49% | 71.78% | 71.11% | 77.46% | 80.14% | +865 bps | |