Houston, TX · Charter 3013
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 3013
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 | 3.27% | 2.76% | 3.06% | 2.99% | 1.80% | -147 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 | -21.79% | -26.87% | -20.54% | n/a | |
| Loan Growth (YoY) | n/a | n/a | -13.83% | -28.93% | -33.02% | n/a | |
| Share Growth (YoY) | n/a | n/a | -22.63% | -27.24% | -24.89% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.94% | 0.11% | 0.53% | 0.30% | 2.83% | +89 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.04% | 1.04% | 1.10% | 0.71% | 0.82% | -22 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 | 102.85% | 97.39% | 101.17% | 93.91% | 91.72% | -1,113 bps | |
| Liquid Assets / Assets | 5.74% | 10.95% | 11.54% | 14.18% | 21.58% | +1,584 bps | |