Houston, TX · Charter 11624
NCUA · 1 branch
Q2 2017
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Houston, TX · Charter 11624
NCUA · 1 branch
Q2 2017
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 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 0.86% | 0.03% | 0.07% | -3.22% | -2.38% | 1.23% | 1.31% | +125 bps | |
| Return on Equity | 1.82% | 1.62% | 0.05% | 0.13% | -6.05% | -4.31% | 2.19% | 2.33% | +220 bps | |
| Net Interest Margin | 5.04% | 4.94% | 4.37% | 4.17% | 4.24% | 4.20% | 3.69% | 3.56% | -61 bps | |
| Efficiency Ratio | 82.19% | 83.90% | 99.42% | 98.52% | 166.23% | 150.08% | 69.30% | 66.05% | -3,247 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.94% | 2.20% | 0.47% | -2.24% | -5.39% | -8.81% | -8.41% | -7.81% | -556 bps | |
| Loan Growth (YoY) | -5.11% | -3.76% | -15.92% | -16.06% | -27.47% | -35.20% | -18.10% | -19.96% | -390 bps | |
| Share Growth (YoY) | -2.81% | 2.94% | 0.19% | -6.90% | -8.65% | -14.03% | -13.31% | -11.73% | -483 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.99% | 0.15% | 6.65% | 4.82% | 0.46% | 0.93% | 0.02% | 4.24% | -59 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 10.53% | 11.15% | 12.04% | 13.04% | 14.94% | 17.51% | 15.36% | 16.96% | +392 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 52.62% | 52.72% | 53.30% | 53.66% | 53.24% | 55.32% | 56.09% | 56.42% | +276 bps | |
| Net Worth / Assets | 52.62% | 52.72% | 53.30% | 53.66% | 53.24% | 55.32% | 56.09% | 56.42% | +276 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 109.11% | 99.31% | 95.18% | 91.12% | 86.64% | 74.86% | 89.91% | 82.63% | -849 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |