Houston, TX · Charter 61865
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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 61865
Q3 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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.42% | -0.65% | -1.63% | -0.87% | 1.43% | +185 bps | |
| Return on Equity | -5.71% | -8.74% | -24.15% | -13.56% | 18.19% | +2,390 bps | |
| Net Interest Margin | 3.57% | 3.95% | 4.24% | 4.22% | 4.33% | +77 bps | |
| Efficiency Ratio | 75.62% | 82.12% | 99.68% | 103.34% | 70.59% | -503 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.64% | -4.39% | -11.07% | -10.36% | -11.08% | -1,045 bps | |
| Loan Growth (YoY) | -3.81% | -6.00% | -8.91% | -10.98% | -16.62% | -1,282 bps | |
| Share Growth (YoY) | 3.67% | -0.89% | -7.51% | -10.08% | -12.49% | -1,616 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.94% | 1.04% | 1.19% | 1.22% | 1.23% | +29 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.69% | 0.92% | 1.17% | 1.29% | 1.44% | +75 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.33% | 7.48% | 6.74% | 6.38% | 7.87% | +54 bps | |
| Net Worth / Assets | 7.33% | 7.48% | 6.74% | 6.38% | 7.87% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.68% | 83.61% | 82.82% | 77.71% | 74.97% | -371 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |