Houston, TX · Charter 15284
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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 15284
Q1 2006
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 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.70% | -0.96% | -1.03% | -0.89% | 1.04% | +373 bps | |
| Return on Equity | -11.08% | -3.87% | -4.44% | -3.98% | 4.81% | +1,590 bps | |
| Net Interest Margin | 5.47% | 5.83% | 5.73% | 5.88% | 6.49% | +102 bps | |
| Efficiency Ratio | 149.05% | 116.50% | 117.72% | 114.90% | 84.04% | -6,501 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -30.36% | -29.01% | -16.58% | -9.53% | 13.15% | +4,352 bps | |
| Loan Growth (YoY) | 3.15% | -12.08% | 4.12% | -4.80% | 13.50% | +1,035 bps | |
| Share Growth (YoY) | -34.85% | -34.03% | -19.25% | -11.56% | 16.91% | +5,175 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.96% | 0.00% | 0.00% | 0.00% | 0.00% | -396 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.70% | 4.39% | 3.21% | 3.66% | 3.26% | -44 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.33% | 24.96% | 23.14% | 22.27% | 21.51% | -282 bps | |
| Net Worth / Assets | 24.33% | 24.96% | 23.14% | 22.27% | 21.51% | -282 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.59% | 36.92% | 46.43% | 38.99% | 41.35% | -124 bps | |
| Liquid Assets / Assets | 67.92% | 72.45% | 64.84% | 69.93% | 67.98% | +6 bps | |