PackageTrendsPeer
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G. H. & H. Employees

Dickinson, TX · Charter 60499

Q1 2007

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2007, the quarter ended March 31, 2007, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

G. H. & H. Employees

Dickinson, TX · Charter 60499

Q1 2007

$320KAssets
$289KLoans
$266KShares
$53KNet 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 2.55%, up 202 bps year over year; NIM at 7.30%.
  • Asset quality: problem loans at 14.58% of loans (+1,458 bps YoY).
  • Capital: net worth / assets of 16.63%, up 285 bps from a year ago.
  • Funding: loans stand at 108.60% of shares as of Q1 2007.

Financial Results

Return on Assets (YTD, annualized)

2.55%+202 bps YoY

Net Interest Margin (YTD, annualized)

7.30%+255 bps YoY

Efficiency Ratio (YTD, annualized)

65.10%-2,390 bps YoY

Net Worth / Assets

16.63%+285 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets0.52%2.12%-7.25%-4.13%2.55%+202 bps
Return on Equity3.81%15.84%-84.20%-28.10%15.33%+1,152 bps
Net Interest Margin4.75%4.20%4.48%7.35%7.30%+255 bps
Efficiency Ratio89.00%50.37%87.78%80.51%65.10%-2,390 bps
Growth
Asset Growth (YoY)-4.51%2.85%-0.94%-37.21%-42.64%-3,812 bps
Loan Growth (YoY)16.89%32.95%9.77%5.25%-7.70%-2,458 bps
Share Growth (YoY)-3.60%0.56%5.13%-37.95%-44.27%-4,067 bps
Asset Quality
Delinquent Loans / Loans0.00%27.13%19.57%15.87%14.58%+1,458 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.62%0.64%9.72%8.66%6.72%+609 bps
Capital
Risk-Based Capital13.78%13.37%8.61%14.70%16.63%+285 bps
Net Worth / Assets13.78%13.37%8.61%14.70%16.63%+285 bps
Liquidity & Funding
Loans / Shares65.57%61.00%66.19%116.98%108.60%+4,303 bps
Liquid Assets / Assets41.37%0.00%0.00%0.00%0.00%-4,137 bps