PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Telpaco Modesto

Modesto, CA · Charter 7236

Q4 1998

$8.3MAssets
$3.3MLoans
$7.4MShares
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 3.15%, down 121 bps year over year.
  • Asset quality: problem loans at 0.89% of loans (-146 bps YoY).
  • Funding: loans stand at 44.91% of shares as of Q4 1998.

Financial Results

Return on Assets (quarter, annualized)

3.15%-121 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets4.37%4.36%5.18%3.99%3.15%-121 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)9.05%6.99%3.46%4.41%-2.89%-1,194 bps
Loan Growth (YoY)8.74%7.45%12.64%12.15%6.85%-189 bps
Share Growth (YoY)9.80%8.12%4.31%4.49%-3.19%-1,299 bps
Asset Quality
Delinquent Loans / Loans2.35%4.50%4.96%3.72%0.89%-146 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.07%1.92%2.27%1.85%2.60%+153 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 / Shares40.69%40.93%44.05%43.46%44.91%+422 bps
Liquid Assets / Assets21.38%20.81%19.95%23.77%28.39%+701 bps