Houston, TX · Charter 19613
Q3 2005
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.07% | 0.34% | 0.93% | 1.46% | 1.28% | -78 bps | |
| Return on Equity | 25.33% | 4.80% | 11.60% | 17.56% | 15.22% | -1,011 bps | |
| Net Interest Margin | 3.11% | 1.29% | 3.12% | 2.94% | 2.58% | -53 bps | |
| Efficiency Ratio | 38.53% | 78.15% | 72.57% | 54.15% | 54.00% | +1,547 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.18% | 2.57% | 0.54% | -0.93% | -1.73% | -791 bps | |
| Loan Growth (YoY) | 5.80% | -6.33% | -14.53% | -18.71% | -23.83% | -2,963 bps | |
| Share Growth (YoY) | 5.58% | 1.88% | -0.34% | -2.17% | -3.03% | -861 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.24% | 4.39% | 3.33% | 3.19% | 2.85% | -38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.22% | 0.23% | 0.25% | 0.27% | 0.29% | +7 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.16% | 6.98% | 7.98% | 8.31% | 8.44% | +27 bps | |
| Net Worth / Assets | 8.16% | 6.98% | 7.98% | 8.31% | 8.44% | +27 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.52% | 35.53% | 33.11% | 30.23% | 27.90% | -762 bps | |
| Liquid Assets / Assets | 65.68% | 66.01% | 67.72% | 70.71% | 72.88% | +720 bps | |