PackageTrendsPeer
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Houston TWC

Houston, TX · Charter 3013

Q2 1997

$573KAssets
$427KLoans
$466KShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.80%, down 147 bps year over year.
  • Asset quality: problem loans at 2.83% of loans (+89 bps YoY).
  • Funding: loans stand at 91.72% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

1.80%-147 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.27%2.76%3.06%2.99%1.80%-147 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/a-21.79%-26.87%-20.54%n/a
Loan Growth (YoY)n/an/a-13.83%-28.93%-33.02%n/a
Share Growth (YoY)n/an/a-22.63%-27.24%-24.89%n/a
Asset Quality
Delinquent Loans / Loans1.94%0.11%0.53%0.30%2.83%+89 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.04%1.04%1.10%0.71%0.82%-22 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares102.85%97.39%101.17%93.91%91.72%-1,113 bps
Liquid Assets / Assets5.74%10.95%11.54%14.18%21.58%+1,584 bps