PackageTrendsPeer
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Tang

Dallas, TX · Charter 9504

Q4 1996

$2.1MAssets
$1.6MLoans
$1.7MShares
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 1.91%, down 181 bps year over year.
  • Asset quality: problem loans at 0.56% of loans (+38 bps YoY).
  • Funding: loans stand at 91.23% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

1.91%-181 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets3.72%4.34%4.07%3.36%1.91%-181 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)n/an/an/a-4.61%-10.88%n/a
Loan Growth (YoY)n/an/an/a3.44%-10.93%n/a
Share Growth (YoY)n/an/an/a-7.06%-8.64%n/a
Asset Quality
Delinquent Loans / Loans0.18%1.42%0.06%0.30%0.56%+38 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.36%0.30%0.21%0.25%1.07%+71 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 / Shares93.57%99.04%91.99%96.30%91.23%-235 bps
Liquid Assets / Assets10.38%9.46%15.25%11.90%12.79%+241 bps