Houston, TX · Charter 67464
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.79% | 3.14% | 4.48% | 0.74% | 0.22% | -257 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 | 3.55% | 3.68% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 84.63% | 94.14% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 3.21% | 26.61% | 34.00% | 4.29% | 2.22% | -99 bps | |
| Loan Growth (YoY) | -8.71% | -17.74% | -11.39% | 20.76% | 22.28% | +3,099 bps | |
| Share Growth (YoY) | 4.11% | 23.82% | 34.98% | 3.40% | 1.10% | -301 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.20% | 0.00% | 0.00% | 1.64% | 0.66% | -454 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.20% | 5.10% | 4.60% | 4.37% | 4.02% | -318 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 | 45.86% | 41.74% | 42.15% | 54.98% | 55.47% | +961 bps | |
| Liquid Assets / Assets | 56.32% | 57.76% | 57.72% | 31.34% | 42.19% | -1,413 bps | |