PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Tpea No. 5

Del Rio, TX · Charter 67944

Q4 1999

$6.6MAssets
$6.1MLoans
$6.1MShares
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 0.43%, down 422 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 3.04% of loans (+301 bps YoY).
  • Funding: loans stand at 100.98% of shares as of Q4 1999.

Financial Results

Return on Assets (quarter, annualized)

0.43%-422 bps YoY

Net Interest Margin (quarter, annualized)

3.45%

Efficiency Ratio (quarter, annualized)

59.17%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets4.65%5.15%4.44%4.60%0.43%-422 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.45%n/an/a
Efficiency Ration/an/an/an/a59.17%n/an/a
Growth
Asset Growth (YoY)53.50%56.50%87.94%132.15%126.67%+7,317 bps
Loan Growth (YoY)42.15%61.04%83.02%125.16%160.02%+11,787 bps
Share Growth (YoY)55.66%58.17%93.13%148.49%132.32%+7,666 bps
Asset Quality
Delinquent Loans / Loans0.03%3.00%1.57%2.94%3.04%+301 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.68%1.15%1.44%1.43%1.90%+122 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 / Shares90.22%89.48%96.40%97.95%100.98%+1,076 bps
Liquid Assets / Assets16.40%12.48%9.50%3.64%1.83%-1,457 bps