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Rio Grande Masonic Prince Hall

Houston, TX · Charter 23328

Q2 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2014, the quarter ended June 30, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Rio Grande Masonic Prince Hall

Houston, TX · Charter 23328

Q2 2014

$336KAssets
$60KLoans
$297KShares
$39KNet Worth

Executive Summary

  • Earnings: ROA of -0.53%, down 78 bps year over year; NIM at 1.83%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 11.48%, up 11 bps from a year ago.
  • Funding: loans stand at 20.01% of shares as of Q2 2014.

Return on Assets (YTD, annualized)

-0.53%-78 bps YoY

Net Interest Margin (YTD, annualized)

1.83%-12 bps YoY

Efficiency Ratio (YTD, annualized)

126.14%+3,712 bps YoY

Net Worth / Assets

11.48%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.08%0.01%-0.84%0.25%0.04%0.21%-0.90%-0.53%-78 bps
Return on Equity0.65%0.09%-7.35%2.22%0.30%1.77%-7.98%-4.61%-683 bps
Net Interest Margin2.13%2.22%1.94%1.95%1.90%1.83%1.99%1.83%-12 bps
Efficiency Ratio96.86%99.59%138.19%89.02%98.44%91.00%141.06%126.14%+3,712 bps
Growth
Asset Growth (YoY)6.01%4.77%4.84%6.39%3.22%2.21%0.97%-3.89%-1,028 bps
Loan Growth (YoY)3.27%25.05%-9.22%-21.36%-23.61%-27.72%-28.12%-28.95%-760 bps
Share Growth (YoY)6.65%5.43%5.31%7.12%3.70%2.37%1.18%-4.01%-1,113 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans5.11%5.26%5.73%6.24%6.69%7.28%7.97%8.78%+254 bps
Capital
Risk-Based Capital12.09%11.82%11.49%11.37%11.68%11.68%11.31%11.48%+11 bps
Net Worth / Assets12.09%11.82%11.49%11.37%11.68%11.68%11.31%11.48%+11 bps
Liquidity & Funding
Loans / Shares35.62%34.10%30.44%27.04%26.24%24.08%21.62%20.01%-703 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps