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Reymet Houston Credit Union

Houston, TX · Charter 67460

Q2 1996

$1.9MAssets
$1.1MLoans
$1.4MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 1.33%, down 259 bps year over year.
  • Asset quality: problem loans at 0.69% of loans (+22 bps YoY).
  • Funding: loans stand at 76.07% of shares as of Q2 1996.

Return on Assets (quarter, annualized)

1.33%-259 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets3.92%4.75%4.58%4.78%1.33%-259 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-6.54%n/an/a
Loan Growth (YoY)n/an/an/an/a-9.10%n/an/a
Share Growth (YoY)n/an/an/an/a-12.54%n/an/a
Asset Quality
Delinquent Loans / Loans0.47%1.02%0.76%0.77%0.69%+22 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.05%0.00%0.08%0.16%0.41%+36 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares73.20%82.54%82.45%87.89%76.07%+287 bps
Liquid Assets / Assets33.67%32.44%34.93%33.97%38.15%+448 bps