Dallas, TX · Charter 68029
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, 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.
Dallas, TX · Charter 68029
Q2 1997
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.66% | 3.26% | 3.75% | 3.61% | 1.85% | -81 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 | 14.67% | 10.67% | -7.85% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 24.24% | 10.81% | -0.24% | n/a | |
| Share Growth (YoY) | n/a | n/a | 14.98% | 12.38% | -9.01% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.19% | 1.90% | 1.63% | 2.93% | 3.66% | +246 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.54% | 2.30% | 2.84% | 2.61% | 2.99% | +45 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 | 85.89% | 79.67% | 85.61% | 85.10% | 94.17% | +828 bps | |
| Liquid Assets / Assets | 16.31% | 16.41% | 15.42% | 13.04% | 5.57% | -1,074 bps | |