Houston, TX · Charter 12548
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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 12548
Q1 2012
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.59% | -1.69% | -1.67% | -5.72% | -4.97% | -238 bps | |
| Return on Equity | -16.19% | -11.80% | -10.59% | -46.61% | -47.16% | -3,097 bps | |
| Net Interest Margin | 3.23% | 3.08% | 4.07% | 0.18% | -1.68% | -491 bps | |
| Efficiency Ratio | 161.15% | 136.27% | 128.82% | 365% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -1.47% | 22.05% | 6.05% | -13.15% | -3.76% | -229 bps | |
| Loan Growth (YoY) | -42.40% | -12.75% | 10.72% | 7.04% | 19.92% | +6,231 bps | |
| Share Growth (YoY) | 2.62% | 14.69% | 10.10% | -9.28% | 2.67% | +5 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.14% | 0.00% | 0.17% | 0.79% | +79 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.23% | 2.82% | 2.71% | 3.24% | 2.13% | -210 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.98% | 14.36% | 15.73% | 12.28% | 10.54% | -544 bps | |
| Net Worth / Assets | 15.98% | 14.36% | 15.73% | 12.28% | 10.54% | -544 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.30% | 52.17% | 54.20% | 48.82% | 38.89% | +559 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |