Houston, TX · Charter 19558
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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 19558
Q2 2007
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.76% | -10.37% | -45.77% | -79.62% | -39.81% | -4,157 bps | |
| Return on Equity | 11.11% | -98.27% | -238% | -1246% | -623% | -63,409 bps | |
| Net Interest Margin | 1.57% | 2.39% | 6.66% | 0.00% | 0.00% | -157 bps | |
| Efficiency Ratio | 0.16% | 66.51% | 153.75% | n/a | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -4.68% | -22.07% | -77.80% | -83.67% | -83.41% | -7,873 bps | |
| Loan Growth (YoY) | -7.00% | -22.76% | -100.00% | -100.00% | -100.00% | -9,300 bps | |
| Share Growth (YoY) | -7.30% | -18.93% | -79.79% | -81.88% | -81.47% | -7,417 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 100.00% | 100.00% | n/a | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 14.61% | 72.07% | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 15.81% | 10.55% | 19.27% | 6.39% | 6.39% | -942 bps | |
| Net Worth / Assets | 15.81% | 10.55% | 19.27% | 6.39% | 6.39% | -942 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 14.49% | 13.90% | 0.00% | 0.00% | 0.00% | -1,449 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |