Houston, TX · Charter 24343
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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 24343
Q1 2014
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.30% | -1.32% | -1.40% | 0.40% | -15.85% | -1,355 bps | |
| Return on Equity | -30.78% | -16.82% | -17.78% | 4.32% | -270% | -23,932 bps | |
| Net Interest Margin | 0.92% | 1.64% | 1.37% | 1.16% | 0.69% | -23 bps | |
| Efficiency Ratio | 299% | 175.18% | 179.03% | 214% | 2403% | +210,323 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.96% | -1.27% | -8.67% | -4.57% | -13.78% | -981 bps | |
| Loan Growth (YoY) | -60.14% | -71.93% | -56.26% | -24.57% | -17.67% | +4,247 bps | |
| Share Growth (YoY) | -1.67% | -4.58% | -8.71% | -5.24% | -12.21% | -1,054 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 49.71% | 9.40% | 0.00% | 5.89% | 4.51% | -4,520 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 29.19% | 36.91% | 34.23% | 6.61% | 7.38% | -2,181 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.47% | 7.88% | 7.88% | 9.31% | 5.87% | -160 bps | |
| Net Worth / Assets | 7.47% | 7.88% | 7.88% | 9.31% | 5.87% | -160 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 13.62% | 11.41% | 9.59% | 14.02% | 12.78% | -85 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |