San Angelo, TX · Charter 9303
Q4 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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.24% | 4.55% | 5.01% | 3.95% | 4.33% | -91 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) | -25.39% | -17.67% | -21.26% | -16.77% | -10.36% | +1,503 bps | |
| Loan Growth (YoY) | -2.33% | -6.35% | -4.89% | -29.61% | -33.08% | -3,075 bps | |
| Share Growth (YoY) | -30.46% | -23.55% | -26.47% | -23.10% | -15.85% | +1,461 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.93% | 0.71% | 0.52% | 0.00% | 0.00% | -93 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.92% | 0.59% | 0.72% | 0.88% | 1.08% | +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 | 95.82% | 100.60% | 108.68% | 86.80% | 76.20% | -1,962 bps | |
| Liquid Assets / Assets | 18.55% | 13.32% | 15.83% | 29.07% | 41.09% | +2,253 bps | |