Houston, TX · Charter 22014
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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 22014
Q1 2014
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | -2.75% | -48.46% | -85.05% | -566% | -56,653 bps | |
| Return on Equity | 0.31% | -2.75% | -48.86% | -85.05% | -566% | -56,680 bps | |
| Net Interest Margin | 0.37% | 7.73% | 65.92% | 51.07% | 0.00% | -37 bps | |
| Efficiency Ratio | 84.71% | 124.60% | 152.90% | 215% | 43838% | +4,375,291 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.27% | -87.40% | -98.79% | -98.96% | -99.55% | -9,128 bps | |
| Loan Growth (YoY) | -42.11% | -62.40% | -100.00% | -100.00% | -100.00% | -5,789 bps | |
| Share Growth (YoY) | -9.62% | -100.00% | -99.99% | -100.00% | -100.00% | -9,038 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 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 | 6.32% | 0.00% | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 13.96% | 100.00% | 99.19% | 100.00% | 100.00% | +8,604 bps | |
| Net Worth / Assets | 13.96% | 100.00% | 99.19% | 100.00% | 100.00% | +8,604 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 3.56% | n/a | 0.00% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |