Houston, TX · Charter 24335
Q1 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2000, the quarter ended March 31, 2000, 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 24335
Q1 2000
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 1999 | Q2 1999 | Q3 1999 | Q4 1999 | Q1 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.38% | 3.59% | 0.74% | 0.77% | 0.40% | -298 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 | 4.63% | 4.55% | 4.42% | n/a | |
| Efficiency Ratio | n/a | n/a | 73.89% | 73.35% | 77.05% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 7.38% | 5.61% | 4.36% | 1.79% | 2.78% | -460 bps | |
| Loan Growth (YoY) | 2.20% | -0.49% | -2.32% | -0.51% | 2.48% | +28 bps | |
| Share Growth (YoY) | 6.97% | 5.65% | 3.26% | 0.96% | 1.62% | -534 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.95% | 1.01% | 0.81% | 0.77% | 0.74% | -21 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.11% | 1.13% | 1.08% | 1.13% | 1.23% | +12 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 | 83.34% | 85.95% | 87.76% | 87.30% | 84.04% | +70 bps | |
| Liquid Assets / Assets | 19.73% | 17.42% | 6.44% | 4.34% | 5.13% | -1,460 bps | |