PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Wesco Employees

Fort Worth, TX · Charter 6996

Q2 1999

$2.9MAssets
$2.2MLoans
$2.6MShares
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 1.67%, down 264 bps year over year.
  • Asset quality: problem loans at 1.92% of loans (-149 bps YoY).
  • Funding: loans stand at 85.07% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

1.67%-264 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 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets4.30%4.38%3.93%3.89%1.67%-264 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)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 / Loans3.41%1.92%2.64%4.58%1.92%-149 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.21%1.87%1.63%2.04%1.09%-112 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 / Shares87.63%91.76%78.70%87.40%85.07%-256 bps
Liquid Assets / Assets13.90%7.80%15.95%8.67%10.09%-382 bps