Houston, TX · Charter 60206
Q1 2010
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.55% | -0.67% | -0.35% | -2.22% | -2.12% | +142 bps | |
| Return on Equity | -65.91% | -17.32% | -8.39% | -91.85% | -109.62% | -4,371 bps | |
| Net Interest Margin | 4.22% | 4.47% | 4.78% | 5.10% | 5.28% | +106 bps | |
| Efficiency Ratio | 74.06% | 59.05% | 61.61% | 76.91% | 95.62% | +2,156 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.72% | 1.79% | -3.79% | -12.06% | -15.15% | -2,187 bps | |
| Loan Growth (YoY) | 21.17% | 6.83% | -0.61% | -7.40% | -11.15% | -3,232 bps | |
| Share Growth (YoY) | 9.84% | 6.44% | -0.67% | -7.46% | -11.78% | -2,163 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.97% | 2.30% | 2.60% | 2.81% | 2.25% | -72 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.72% | 2.49% | 2.59% | 3.27% | 3.45% | +272 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.38% | 3.87% | 4.13% | 2.42% | 1.94% | -345 bps | |
| Net Worth / Assets | 5.38% | 3.87% | 4.13% | 2.42% | 1.94% | -345 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.18% | 77.08% | 79.75% | 79.72% | 77.74% | +55 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |