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S C H

Houston, TX · Charter 17486

Q1 2008

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2008, the quarter ended March 31, 2008, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

S C H

Houston, TX · Charter 17486

Q1 2008

$41.7MAssets
$9.2MLoans
$35.3MShares
$5.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.74%, down 4 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 0.27% of loans (+18 bps YoY).
  • Capital: net worth / assets of 13.80%, up 87 bps from a year ago.
  • Funding: loans stand at 25.96% of shares as of Q1 2008.

Return on Assets (YTD, annualized)

0.74%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.13%+16 bps YoY

Efficiency Ratio (YTD, annualized)

81.37%+225 bps YoY

Net Worth / Assets

13.80%+87 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets0.74%0.83%0.83%0.78%0.75%0.91%0.93%0.74%-4 bps
Return on Equity6.15%6.43%6.44%6.03%5.83%6.66%6.71%5.34%-69 bps
Net Interest Margin2.56%2.77%2.79%2.97%2.99%3.22%3.27%3.13%+16 bps
Efficiency Ratio78.22%77.00%77.10%79.12%80.28%77.69%77.46%81.37%+225 bps
Growth
Asset Growth (YoY)9.67%3.25%3.43%1.72%0.00%0.82%-0.71%0.23%-150 bps
Loan Growth (YoY)2.46%2.34%-1.17%-1.17%-1.93%-3.20%-3.30%-5.92%-475 bps
Share Growth (YoY)10.10%3.03%3.47%0.99%-0.64%0.00%-2.14%-0.65%-164 bps
Asset Quality
Delinquent Loans / Loans0.43%0.36%0.06%0.09%0.23%0.22%0.21%0.27%+18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.28%0.27%0.25%0.27%0.23%0.23%0.18%0.17%-10 bps
Capital
Risk-Based Capital12.02%12.83%12.90%12.92%12.82%13.63%13.92%13.80%+87 bps
Net Worth / Assets12.02%12.83%12.90%12.92%12.82%13.63%13.92%13.80%+87 bps
Liquidity & Funding
Loans / Shares27.23%28.69%27.88%27.41%26.88%27.77%27.55%25.96%-145 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps