Midland, TX · Charter 9948
Q2 2000
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.39% | 4.63% | 4.30% | 0.67% | -0.64% | -504 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 | 3.32% | 4.57% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 76.00% | 67.65% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 33.34% | 42.33% | 74.04% | 52.98% | -0.43% | -3,377 bps | |
| Loan Growth (YoY) | 26.97% | 49.96% | 50.33% | 41.51% | 21.51% | -546 bps | |
| Share Growth (YoY) | 36.91% | 47.02% | 84.61% | 59.66% | -1.28% | -3,819 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.61% | 2.95% | 4.35% | 0.76% | 1.30% | -131 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.12% | 1.01% | 0.96% | 0.57% | 1.79% | +67 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 | 83.10% | 86.30% | 75.92% | 84.07% | 102.29% | +1,919 bps | |
| Liquid Assets / Assets | 24.83% | 19.38% | 29.38% | 22.65% | 0.00% | -2,483 bps | |