Houston, TX · Charter 61438
NCUA · 2 branches
Q2 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2024, the quarter ended June 30, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in TX (n=236). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
13
Asset Quality
32
Profitability
22
Liquidity
13
Efficiency
9
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Houston, TX · Charter 61438
NCUA · 2 branches
Q2 2024
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 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.02% | -0.04% | 0.45% | 0.02% | -0.29% | -0.37% | -0.77% | -0.58% | -60 bps | |
| Return on Equity | -0.25% | -0.43% | 4.64% | 0.22% | -3.12% | -3.89% | -8.07% | -5.95% | -617 bps | |
| Net Interest Margin | 3.58% | 3.58% | 3.67% | 3.57% | 3.56% | 3.58% | 3.55% | 3.70% | +12 bps | |
| Efficiency Ratio | 83.99% | 85.57% | 93.04% | 98.04% | 100.33% | 101.65% | 102.41% | 102.45% | +441 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.02% | -2.59% | -1.84% | 0.19% | 0.48% | -3.59% | -5.84% | -7.01% | -720 bps | |
| Loan Growth (YoY) | 3.81% | 8.48% | 12.72% | 6.80% | 3.21% | -4.40% | -7.33% | -8.55% | -1,535 bps | |
| Share Growth (YoY) | -9.81% | -7.21% | -2.96% | -2.01% | -3.31% | -3.00% | -5.87% | -4.27% | -225 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.35% | 0.26% | 0.38% | 0.45% | 0.49% | 0.61% | 0.82% | +43 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.53% | 0.53% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.75% | 9.55% | 9.63% | 9.65% | 9.46% | 9.54% | 9.54% | 9.69% | +4 bps | |
| Net Worth / Assets | 9.75% | 9.55% | 9.63% | 9.65% | 9.46% | 9.54% | 9.54% | 9.69% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.30% | 98.63% | 95.89% | 97.83% | 98.52% | 97.21% | 94.41% | 93.46% | -438 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houston, TX · Charter 61438 · Peer group: credit unions under $1B in assets in TX (n=236)
NCUA · 2 branches
Q2 2024
Return on Assets
-0.58%
Rank 218 of 236
Net Interest Margin
3.69%
Rank 115 of 236
Efficiency Ratio
102.58%
Rank 215 of 236
Equity / Assets
9.69%
Rank 205 of 236
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.58% | 0.22% | 0.63% | 1.16% | Beats 8% | 218 / 236 | n/a | |
| Return on Equity | -5.94% | 1.20% | 4.56% | 7.60% | Beats 6% | 221 / 236 | n/a | |
| Net Interest Margin | 3.69% | 3.04% | 3.66% | 4.29% | Beats 51% | 115 / 236 | n/a | |
| Efficiency Ratio | 102.58% | 70.13% | 80.33% | 91.34% | Beats 9% | 215 / 236 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.82% | 0.15% | 0.50% | 1.01% | Beats 32% | 162 / 236 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.69% | 10.93% | 13.51% | 18.75% | Beats 13% | 205 / 236 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.69% | 10.93% | 13.51% | 18.75% | Beats 13% | 205 / 236 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.46% | 57.97% | 73.07% | 88.23% | 85th pctl | 36 / 236 | n/a | |
| Loans / Assets | 83.28% | 48.43% | 62.45% | 73.71% | 94th pctl | 14 / 236 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||