Houston, TX · Charter 15048
Q3 2003
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.14% | 1.20% | 0.82% | 0.78% | 0.63% | -52 bps | |
| Return on Equity | 8.06% | 7.99% | 6.43% | 5.85% | 6.88% | -117 bps | |
| Net Interest Margin | 3.89% | 4.09% | 3.34% | 3.35% | 3.24% | -65 bps | |
| Efficiency Ratio | 69.99% | 68.53% | 73.55% | 74.38% | 79.53% | +953 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.43% | 13.80% | 28.17% | 7.51% | 9.50% | -693 bps | |
| Loan Growth (YoY) | -2.08% | 0.69% | 3.14% | -0.54% | -9.99% | -791 bps | |
| Share Growth (YoY) | 18.95% | 12.50% | 32.64% | 9.09% | 21.51% | +256 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.37% | 1.93% | 1.37% | 1.69% | 1.62% | -74 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.56% | 1.29% | 1.41% | 1.48% | 1.43% | -13 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.21% | 15.07% | 12.80% | 13.36% | 9.11% | -509 bps | |
| Net Worth / Assets | 14.21% | 15.07% | 12.80% | 13.36% | 9.11% | -509 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.64% | 54.30% | 43.70% | 44.88% | 38.99% | -1,365 bps | |
| Liquid Assets / Assets | 41.96% | 37.71% | 46.54% | 48.94% | 52.73% | +1,077 bps | |