Houston, TX · Charter 1353
Q4 2009
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.27% | -2.91% | -0.32% | -0.44% | -1.06% | +21 bps | |
| Return on Equity | -6.24% | -14.84% | -1.63% | -2.25% | -5.55% | +69 bps | |
| Net Interest Margin | 3.99% | 4.24% | 4.16% | 4.11% | 4.11% | +12 bps | |
| Efficiency Ratio | 110.40% | 92.81% | 82.22% | 89.44% | 98.21% | -1,219 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.47% | -2.06% | -0.98% | 0.92% | 0.69% | +215 bps | |
| Loan Growth (YoY) | -8.16% | -6.60% | -3.79% | -2.87% | -6.29% | +187 bps | |
| Share Growth (YoY) | -0.50% | 0.27% | 0.64% | 3.33% | 3.21% | +371 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.82% | 3.31% | 3.22% | 2.59% | 3.98% | +16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.73% | 1.07% | 0.99% | 1.07% | 1.22% | -51 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.31% | 19.62% | 19.91% | 19.61% | 19.12% | -120 bps | |
| Net Worth / Assets | 20.31% | 19.62% | 19.91% | 19.61% | 19.12% | -120 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.19% | 57.45% | 57.23% | 55.36% | 55.56% | -563 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |