Houston, TX · Charter 22907
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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 22907
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.81% | -2.68% | 4.87% | 3.69% | 0.00% | -481 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) | -23.61% | -20.46% | -15.38% | -4.77% | -99.99% | -7,638 bps | |
| Loan Growth (YoY) | 3.21% | -23.04% | -58.69% | -64.62% | -100.00% | -10,321 bps | |
| Share Growth (YoY) | -24.08% | -21.86% | -22.42% | -8.36% | -100.00% | -7,592 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 32.38% | 34.65% | 39.21% | 40.77% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 13.07% | 14.66% | 6.45% | 8.25% | 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 | 90.62% | 82.90% | 58.94% | 41.25% | n/a | n/a | |
| Liquid Assets / Assets | 12.94% | 13.31% | 13.49% | 12.59% | 0.00% | -1,294 bps | |