El Paso, TX · Charter 67967
Q4 1998
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.99% | -0.50% | -0.91% | 2.75% | 1.51% | +350 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) | 8.78% | -10.43% | -14.49% | 0.18% | -2.00% | -1,078 bps | |
| Loan Growth (YoY) | 30.07% | -5.20% | -22.56% | -12.21% | 8.73% | -2,134 bps | |
| Share Growth (YoY) | 3.53% | 4.85% | 6.77% | 21.14% | 7.13% | +360 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.12% | 5.61% | 0.22% | 2.31% | 5.10% | +98 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.27% | 5.34% | 0.65% | 2.59% | 4.75% | +148 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 | 90.61% | 75.56% | 68.20% | 74.10% | 91.96% | +135 bps | |
| Liquid Assets / Assets | 16.04% | 19.93% | 15.14% | 21.75% | 8.28% | -776 bps | |