Austin, TX · Charter 67919
Q4 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1996, the quarter ended December 31, 1996, 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.
Austin, TX · Charter 67919
Q4 1996
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 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.79% | 3.71% | 3.87% | 3.22% | 3.36% | -43 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) | n/a | n/a | n/a | -18.28% | -15.78% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | 30.59% | -4.03% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | -22.29% | -18.95% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.14% | 4.21% | 2.45% | 5.19% | 7.04% | +690 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.88% | 1.80% | 1.93% | 2.11% | 2.21% | +32 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 | 75.35% | 89.49% | 85.75% | 94.29% | 89.22% | +1,387 bps | |
| Liquid Assets / Assets | 6.46% | 0.00% | 24.97% | 20.47% | 24.42% | +1,796 bps | |