Houston, TX · Charter 102
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Houston, TX · Charter 102
Q2 2007
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.58% | 0.71% | 0.74% | 0.32% | 0.50% | -8 bps | |
| Return on Equity | 7.18% | 8.18% | 8.41% | 3.79% | 5.78% | -140 bps | |
| Net Interest Margin | 3.92% | 4.06% | 4.00% | 3.66% | 3.75% | -17 bps | |
| Efficiency Ratio | 83.22% | 82.86% | 82.92% | 93.27% | 89.83% | +661 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.58% | -5.58% | -2.13% | 0.42% | 2.04% | +762 bps | |
| Loan Growth (YoY) | 12.53% | 6.77% | 3.56% | 0.12% | -2.99% | -1,551 bps | |
| Share Growth (YoY) | -6.00% | -6.34% | -2.85% | -0.28% | 1.69% | +768 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.47% | 0.31% | 0.20% | 0.09% | 0.31% | -16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.60% | 0.52% | 0.48% | 0.46% | 0.45% | -15 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.07% | 8.63% | 8.78% | 8.54% | 8.58% | +50 bps | |
| Net Worth / Assets | 8.07% | 8.63% | 8.78% | 8.54% | 8.58% | +50 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.48% | 88.86% | 89.35% | 85.19% | 82.51% | -398 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 99.28% | 96.79% | 0.00% | 0 bps | |