PackageTrendsPeer
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Texas Heritage

Reese AFB, TX · Charter 6889

Q2 1997

$39.0MAssets
$24.9MLoans
$35.9MShares
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 3.65%, down 71 bps year over year.
  • Asset quality: problem loans at 1.05% of loans (+2 bps YoY).
  • Funding: loans stand at 69.30% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

3.65%-71 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets4.35%4.26%4.14%3.65%3.65%-71 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/a10.70%8.90%8.58%n/a
Loan Growth (YoY)n/an/a8.89%8.38%4.06%n/a
Share Growth (YoY)n/an/a12.20%8.95%9.02%n/a
Asset Quality
Delinquent Loans / Loans1.03%0.90%0.96%1.30%1.05%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.98%0.96%0.88%0.90%1.10%+12 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 / Shares72.60%74.74%74.98%74.79%69.30%-330 bps
Liquid Assets / Assets23.94%21.87%8.79%19.68%14.69%-924 bps