Santa Fe, NM · Charter 789
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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.
Santa Fe, NM · Charter 789
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.47% | 3.54% | 3.51% | 3.52% | 3.44% | -3 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) | -0.08% | 5.34% | 4.95% | 3.23% | 5.91% | +600 bps | |
| Loan Growth (YoY) | 13.36% | 7.51% | 12.96% | 15.20% | 25.11% | +1,175 bps | |
| Share Growth (YoY) | -1.76% | 4.37% | 3.04% | 1.61% | 4.74% | +649 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.85% | 2.13% | 2.35% | 2.49% | 1.74% | +89 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.56% | 0.72% | 0.83% | 0.78% | +16 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 | 59.61% | 61.82% | 66.28% | 70.03% | 71.20% | +1,159 bps | |
| Liquid Assets / Assets | 33.83% | 32.23% | 27.35% | 25.81% | 22.72% | -1,111 bps | |