Houston, DE · Charter 24138
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, DE · Charter 24138
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 | 3.29% | 2.77% | -1.45% | -1.01% | 2.79% | -50 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) | 35.40% | 0.95% | -7.35% | -16.88% | 6.12% | -2,928 bps | |
| Loan Growth (YoY) | 8.82% | 4.97% | -3.03% | -13.56% | -18.91% | -2,773 bps | |
| Share Growth (YoY) | 28.48% | -12.26% | -4.15% | -2.25% | 23.39% | -509 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.91% | 3.17% | 3.35% | 9.84% | 7.41% | +451 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.79% | 2.97% | 2.94% | 2.65% | 3.11% | +32 bps | |
| 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 | 76.49% | 89.66% | 74.45% | 73.80% | 50.26% | -2,622 bps | |
| Liquid Assets / Assets | 15.24% | 4.87% | 22.96% | 10.80% | 44.09% | +2,885 bps | |