Houston, TX · Charter 20549
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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 20549
Q3 2002
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 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | 0.46% | 0.09% | 0.04% | 0.09% | -14 bps | |
| Return on Equity | 1.36% | 2.58% | 0.59% | 0.29% | 0.68% | -68 bps | |
| Net Interest Margin | 4.67% | 4.61% | 3.88% | 3.82% | 3.74% | -92 bps | |
| Efficiency Ratio | 87.84% | 91.28% | 96.20% | 99.04% | 97.75% | +991 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.74% | -6.87% | 19.28% | 23.25% | 24.40% | +1,866 bps | |
| Loan Growth (YoY) | 5.46% | 2.85% | -14.58% | -21.15% | -21.71% | -2,718 bps | |
| Share Growth (YoY) | 5.32% | -9.14% | 25.34% | 28.06% | 29.10% | +2,378 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.31% | 2.10% | 2.06% | 1.36% | 1.48% | +117 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.43% | 0.93% | 1.16% | 1.00% | 0.96% | -46 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.98% | 17.72% | 14.70% | 13.96% | 13.80% | -318 bps | |
| Net Worth / Assets | 16.98% | 17.72% | 14.70% | 13.96% | 13.80% | -318 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 108.03% | 110.26% | 79.62% | 70.29% | 65.51% | -4,252 bps | |
| Liquid Assets / Assets | 10.04% | 8.19% | 31.34% | 38.33% | 42.27% | +3,223 bps | |