Houston, TX · Charter 6083
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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 6083
Q1 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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | 0.02% | 0.14% | 0.15% | -0.12% | -23 bps | |
| Return on Equity | 1.51% | 0.23% | 1.75% | 1.86% | -1.55% | -306 bps | |
| Net Interest Margin | 2.25% | 2.33% | 2.38% | 2.37% | 2.29% | +3 bps | |
| Efficiency Ratio | 95.07% | 93.74% | 94.30% | 93.92% | 101.15% | +608 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.46% | 3.01% | -1.82% | 0.21% | -0.59% | -405 bps | |
| Loan Growth (YoY) | 14.23% | 9.28% | 5.27% | 5.23% | -0.97% | -1,520 bps | |
| Share Growth (YoY) | 3.85% | 3.30% | -2.01% | 0.08% | -0.85% | -470 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.28% | 0.95% | 1.22% | 1.26% | 0.75% | +47 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.71% | 0.86% | 0.87% | 0.87% | 0.55% | -17 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.49% | 7.65% | 7.85% | 7.88% | 7.56% | +6 bps | |
| Net Worth / Assets | 7.49% | 7.65% | 7.85% | 7.88% | 7.56% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.30% | 47.71% | 48.08% | 48.33% | 46.24% | -6 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |