Lubbock, TX · Charter 68158
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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.
Lubbock, TX · Charter 68158
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -8.62% | -5.59% | -10.98% | 6.40% | -3.17% | +545 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 | 5.33% | 4.57% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 62.32% | 126.49% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 3.30% | -10.73% | 64.10% | 61.40% | 69.34% | +6,604 bps | |
| Loan Growth (YoY) | 3061% | -80.21% | -86.22% | -24.80% | 91.51% | -296,947 bps | |
| Share Growth (YoY) | 3.11% | -9.54% | 65.62% | 65.92% | 71.65% | +6,854 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 81.57% | 85.80% | 100.00% | 0.00% | 0.00% | -8,157 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 10.31% | 13.97% | 85.30% | 25.22% | 15.88% | +557 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 | 14.25% | 6.26% | 3.81% | 10.21% | 15.90% | +165 bps | |
| Liquid Assets / Assets | 41.26% | 89.39% | 92.57% | 84.31% | 27.07% | -1,419 bps | |