PackageTrendsPeer
Letter portraitLegal landscape

St. Stephen's

Houston, TX · Charter 11624

NCUA · 1 branch

Q2 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2017, the quarter ended June 30, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

St. Stephen's

Houston, TX · Charter 11624

NCUA · 1 branch

Q2 2017

$775KAssets
$278KLoans
$337KShares
$437KNet 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 1.31%, up 125 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 4.24% of loans (-59 bps YoY).
  • Capital: net worth / assets of 56.42%, up 276 bps from a year ago.
  • Funding: loans stand at 82.63% of shares as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

1.31%+125 bps YoY

Net Interest Margin (YTD, annualized)

3.56%-61 bps YoY

Efficiency Ratio (YTD, annualized)

66.05%-3,247 bps YoY

Net Worth / Assets

56.42%+276 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets0.07%-3.22%-2.38%1.23%1.31%+125 bps
Return on Equity0.13%-6.05%-4.31%2.19%2.33%+220 bps
Net Interest Margin4.17%4.24%4.20%3.69%3.56%-61 bps
Efficiency Ratio98.52%166.23%150.08%69.30%66.05%-3,247 bps
Growth
Asset Growth (YoY)-2.24%-5.39%-8.81%-8.41%-7.81%-556 bps
Loan Growth (YoY)-16.06%-27.47%-35.20%-18.10%-19.96%-390 bps
Share Growth (YoY)-6.90%-8.65%-14.03%-13.31%-11.73%-483 bps
Asset Quality
Delinquent Loans / Loans4.82%0.46%0.93%0.02%4.24%-59 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans13.04%14.94%17.51%15.36%16.96%+392 bps
Capital
Risk-Based Capital53.66%53.24%55.32%56.09%56.42%+276 bps
Net Worth / Assets53.66%53.24%55.32%56.09%56.42%+276 bps
Liquidity & Funding
Loans / Shares91.12%86.64%74.86%89.91%82.63%-849 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps