PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Katy Credit Union

Dallas, TX · Charter 68029

Q2 1997

$2.5MAssets
$2.1MLoans
$2.2MShares
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 1.85%, down 81 bps year over year.
  • Asset quality: problem loans at 3.66% of loans (+246 bps YoY).
  • Funding: loans stand at 94.17% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

1.85%-81 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets2.66%3.26%3.75%3.61%1.85%-81 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/a14.67%10.67%-7.85%n/a
Loan Growth (YoY)n/an/a24.24%10.81%-0.24%n/a
Share Growth (YoY)n/an/a14.98%12.38%-9.01%n/a
Asset Quality
Delinquent Loans / Loans1.19%1.90%1.63%2.93%3.66%+246 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.54%2.30%2.84%2.61%2.99%+45 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 / Shares85.89%79.67%85.61%85.10%94.17%+828 bps
Liquid Assets / Assets16.31%16.41%15.42%13.04%5.57%-1,074 bps