Houston, TX · Charter 22910
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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 22910
Q3 2010
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.32% | 0.57% | 0.49% | -0.18% | -0.50% | -182 bps | |
| Return on Equity | 15.80% | 6.83% | 6.22% | -2.21% | -6.63% | -2,243 bps | |
| Net Interest Margin | 4.03% | 4.32% | 4.12% | 4.16% | 4.32% | +28 bps | |
| Efficiency Ratio | 65.04% | 74.94% | 76.62% | 94.10% | 91.72% | +2,668 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.82% | 8.33% | 11.66% | 3.92% | 2.74% | -1,108 bps | |
| Loan Growth (YoY) | 27.77% | 18.73% | 15.42% | 8.16% | 5.48% | -2,228 bps | |
| Share Growth (YoY) | 14.88% | 9.20% | 13.34% | 4.36% | 1.99% | -1,289 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.59% | 0.73% | 0.92% | 1.03% | 1.13% | +54 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.74% | 0.80% | 0.78% | 0.76% | 0.85% | +11 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.34% | 8.38% | 7.95% | 7.91% | 7.60% | -74 bps | |
| Net Worth / Assets | 8.34% | 8.38% | 7.95% | 7.91% | 7.60% | -74 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.66% | 92.89% | 88.64% | 87.02% | 92.73% | +307 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |