Houston, TX · Charter 67429
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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 67429
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.31% | 4.42% | 4.64% | 4.97% | 4.55% | +23 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 21.96% | 17.01% | 12.50% | -0.49% | -10.38% | -3,234 bps | |
| Loan Growth (YoY) | 5.99% | 6.48% | -6.37% | -8.63% | -7.63% | -1,362 bps | |
| Share Growth (YoY) | 20.17% | 11.14% | 10.52% | -3.09% | -13.38% | -3,355 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.94% | 0.16% | 1.35% | 1.10% | 0.78% | -216 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.20% | 1.33% | 1.93% | 1.87% | 1.96% | -24 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.39% | 71.94% | 65.68% | 65.22% | 68.66% | +427 bps | |
| Liquid Assets / Assets | 8.11% | 3.99% | 7.91% | 17.44% | 25.42% | +1,731 bps | |