Sugar Land, TX · Charter 4642
Q3 2014
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.20% | -1.15% | -1.22% | -1.17% | -1.21% | -1 bps | |
| Return on Equity | -14.30% | -14.27% | -15.71% | -15.52% | -16.61% | -231 bps | |
| Net Interest Margin | 2.30% | 2.30% | 2.30% | 2.34% | 2.40% | +10 bps | |
| Efficiency Ratio | 144.65% | 139.30% | 143.76% | 140.70% | 139.23% | -542 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.39% | 1.11% | -2.91% | -3.12% | -0.46% | +194 bps | |
| Loan Growth (YoY) | 14.72% | 25.22% | 44.01% | 51.29% | 36.25% | +2,153 bps | |
| Share Growth (YoY) | -1.45% | 1.56% | -1.65% | -1.70% | 0.66% | +211 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.07% | 0.06% | 0.16% | 0.05% | 0.05% | -2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.38% | 0.37% | 0.38% | 0.26% | 0.38% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.40% | 8.09% | 7.76% | 7.56% | 7.27% | -113 bps | |
| Net Worth / Assets | 8.40% | 8.09% | 7.76% | 7.56% | 7.27% | -113 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 29.85% | 31.77% | 36.16% | 38.22% | 40.41% | +1,055 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |