Houston, TX · Charter 21549
Q2 1997
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.97% | 3.50% | 1.97% | 3.01% | -3341% | -334,248 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | 3.14% | -14.88% | -99.59% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 58.67% | -22.22% | -100.00% | n/a | |
| Share Growth (YoY) | n/a | n/a | 1.34% | -18.61% | -100.00% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 58.26% | 42.42% | 35.06% | 55.49% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 15.23% | 11.58% | 11.43% | 18.41% | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 23.35% | 30.94% | 28.88% | 23.19% | n/a | n/a | |
| Liquid Assets / Assets | 72.49% | 69.72% | 60.51% | 75.79% | 0.00% | -7,249 bps | |