Houston, TX · Charter 24570
NCUA · 4 branches
Q2 2021
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 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.18% | 0.53% | 0.78% | 0.30% | 0.72% | +54 bps | |
| Return on Equity | 1.63% | 4.86% | 7.07% | 2.86% | 6.75% | +512 bps | |
| Net Interest Margin | 4.59% | 4.59% | 4.51% | 4.08% | 4.05% | -55 bps | |
| Efficiency Ratio | 82.06% | 81.29% | 79.32% | 86.03% | 84.74% | +269 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.71% | 12.32% | 17.84% | 21.35% | 12.18% | -453 bps | |
| Loan Growth (YoY) | 6.87% | 3.20% | 2.53% | -1.59% | 2.64% | -423 bps | |
| Share Growth (YoY) | 20.35% | 15.01% | 20.03% | 23.17% | 11.83% | -852 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.81% | 1.06% | 1.15% | 0.59% | 0.53% | -28 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.36% | 1.35% | 1.23% | 1.23% | 1.15% | -20 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.84% | 10.97% | 11.09% | 10.37% | 10.67% | -17 bps | |
| Net Worth / Assets | 10.84% | 10.97% | 11.09% | 10.37% | 10.67% | -17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.94% | 75.14% | 75.07% | 66.36% | 69.70% | -624 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |