Houston, TX · Charter 13948
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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 13948
Q2 2001
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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.75% | 1.42% | 1.43% | 1.52% | 1.08% | -367 bps | |
| Return on Equity | n/a | n/a | n/a | 9.04% | 5.60% | n/a | |
| Net Interest Margin | n/a | 4.05% | 4.09% | 4.15% | 3.94% | n/a | |
| Efficiency Ratio | n/a | 65.41% | 58.07% | 55.00% | 64.64% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 20.03% | 2.71% | -1.63% | -0.89% | -12.06% | -3,209 bps | |
| Loan Growth (YoY) | 7.72% | 0.67% | -0.35% | 5.02% | -0.84% | -856 bps | |
| Share Growth (YoY) | 18.11% | -0.41% | -4.17% | -4.82% | -18.25% | -3,635 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.34% | 1.00% | 0.62% | 1.35% | 3.12% | +177 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.28% | 1.20% | 1.11% | 1.31% | 0.66% | -63 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 16.87% | 19.22% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 16.87% | 19.22% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.40% | 86.33% | 85.73% | 87.07% | 90.24% | +1,584 bps | |
| Liquid Assets / Assets | 33.19% | 15.03% | 10.18% | 27.27% | 26.75% | -643 bps | |