Houston, TX · Charter 2599
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, 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 2599
Q2 1997
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.62% | 3.67% | 3.51% | 3.61% | 3.57% | -5 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) | n/a | n/a | -1.40% | 4.71% | 14.75% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 15.28% | 29.72% | 50.97% | n/a | |
| Share Growth (YoY) | n/a | n/a | -0.08% | 3.61% | 13.25% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.53% | 0.83% | 1.00% | 1.56% | 1.33% | +80 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.38% | 2.13% | 1.95% | 1.89% | 1.58% | -80 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 | 50.71% | 56.40% | 57.93% | 63.13% | 67.60% | +1,689 bps | |
| Liquid Assets / Assets | 30.95% | 30.30% | 29.32% | 26.41% | 24.44% | -651 bps | |