Houston, TX · Charter 62749
Q4 2004
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.43% | 0.58% | 0.81% | 1.09% | 0.85% | +41 bps | |
| Return on Equity | 5.19% | 6.87% | 9.06% | 11.71% | 8.65% | +346 bps | |
| Net Interest Margin | 4.30% | 3.67% | 3.79% | 3.85% | 4.02% | -28 bps | |
| Efficiency Ratio | 80.97% | 82.93% | 80.69% | 76.94% | 78.82% | -216 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.56% | -0.40% | 0.56% | 0.45% | -6.31% | -1,187 bps | |
| Loan Growth (YoY) | -3.70% | -15.35% | -11.72% | -5.25% | -3.22% | +49 bps | |
| Share Growth (YoY) | 4.65% | -1.40% | -0.56% | -0.50% | -7.23% | -1,188 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.46% | 2.58% | 2.49% | 3.95% | 2.36% | -309 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.98% | 6.94% | 6.62% | 6.26% | 5.78% | -220 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.38% | 8.41% | 8.91% | 9.31% | 9.79% | +141 bps | |
| Net Worth / Assets | 8.38% | 8.41% | 8.91% | 9.31% | 9.79% | +141 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.29% | 29.42% | 31.66% | 32.34% | 33.69% | +140 bps | |
| Liquid Assets / Assets | 17.85% | 16.72% | 17.59% | 22.44% | 34.11% | +1,626 bps | |