Houston, TX · Charter 10777
Q4 2011
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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.46% | -10.29% | -7.38% | -8.84% | -10.82% | -837 bps | |
| Return on Equity | -13.35% | -59.61% | -43.13% | -63.12% | -86.74% | -7,339 bps | |
| Net Interest Margin | 2.84% | 3.86% | 3.83% | 3.73% | 4.04% | +120 bps | |
| Efficiency Ratio | 389% | 175.28% | 173.02% | 222% | 285% | -10,421 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -20.37% | -25.66% | -23.21% | -24.13% | -26.34% | -597 bps | |
| Loan Growth (YoY) | -47.49% | -33.60% | -29.17% | -21.45% | -12.01% | +3,548 bps | |
| Share Growth (YoY) | -12.89% | -23.53% | -17.38% | -18.71% | -22.62% | -973 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 17.57% | 5.05% | 7.87% | 10.99% | 1.83% | -1,573 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 16.15% | 13.40% | 17.17% | 19.71% | 0.00% | -1,615 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.41% | 17.27% | 17.11% | 14.00% | 12.48% | -593 bps | |
| Net Worth / Assets | 18.41% | 17.27% | 17.11% | 14.00% | 12.48% | -593 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 29.15% | 34.06% | 34.09% | 31.50% | 33.14% | +399 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |