Pasadena, TX · Charter 2632
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Pasadena, TX · Charter 2632
Q4 2013
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.51% | -1.86% | -1.76% | -1.61% | -10.00% | -850 bps | |
| Return on Equity | -6.47% | -8.17% | -7.91% | -7.52% | -74.23% | -6,776 bps | |
| Net Interest Margin | 2.37% | 2.01% | 2.00% | 1.95% | -4.64% | -701 bps | |
| Efficiency Ratio | 148.86% | 166.13% | 165.20% | 162.42% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 0.51% | -1.28% | 2.02% | 3.97% | -0.92% | -143 bps | |
| Loan Growth (YoY) | -16.33% | -16.54% | -11.60% | -16.15% | -15.98% | +35 bps | |
| Share Growth (YoY) | 2.88% | 0.50% | 5.00% | 7.35% | 9.37% | +649 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.47% | 0.22% | 0.15% | 0.03% | 0.00% | -147 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.10% | 1.08% | 0.97% | 0.98% | 0.82% | -28 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.26% | 22.76% | 22.20% | 21.43% | 13.48% | -979 bps | |
| Net Worth / Assets | 23.26% | 22.76% | 22.20% | 21.43% | 13.48% | -979 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.54% | 31.23% | 30.31% | 28.28% | 25.00% | -754 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |