Fort Worth, TX · Charter 6996
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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.
Fort Worth, TX · Charter 6996
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.30% | 4.38% | 3.93% | 3.89% | 1.67% | -264 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) | 13.59% | 8.90% | 16.79% | 14.96% | -1.26% | -1,486 bps | |
| Loan Growth (YoY) | 7.90% | 2.34% | -4.70% | 0.71% | -4.25% | -1,215 bps | |
| Share Growth (YoY) | 12.24% | 7.61% | 16.57% | 15.00% | -1.37% | -1,361 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.41% | 1.92% | 2.64% | 4.58% | 1.92% | -149 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.21% | 1.87% | 1.63% | 2.04% | 1.09% | -112 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 | 87.63% | 91.76% | 78.70% | 87.40% | 85.07% | -256 bps | |
| Liquid Assets / Assets | 13.90% | 7.80% | 15.95% | 8.67% | 10.09% | -382 bps | |