Houston, TX · Charter 11420
Q4 2000
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.93% | 4.71% | 1.15% | 1.06% | 1.37% | -356 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 9.27% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 2.81% | 3.10% | 3.63% | n/a | |
| Efficiency Ratio | n/a | n/a | 54.11% | 67.59% | 62.32% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 11.74% | 8.30% | 13.48% | 8.87% | 1.58% | -1,016 bps | |
| Loan Growth (YoY) | 20.09% | 18.27% | 27.05% | 3.17% | -7.37% | -2,747 bps | |
| Share Growth (YoY) | 9.40% | 6.63% | 11.26% | 8.35% | 0.57% | -883 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.87% | 1.08% | 1.10% | 0.56% | 2.38% | +51 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.81% | 1.30% | 1.23% | 1.20% | 1.35% | -46 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 14.73% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 14.73% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.57% | 48.86% | 51.69% | 46.90% | 47.50% | -407 bps | |
| Liquid Assets / Assets | 51.79% | 46.12% | 39.83% | 32.57% | 57.15% | +535 bps | |