Houston, TX · Charter 67466
Q2 2012
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.87% | -3.69% | -2.30% | -25.01% | -14.25% | -738 bps | |
| Return on Equity | -108.27% | -49.02% | -28.90% | -860% | -482% | -37,329 bps | |
| Net Interest Margin | 4.79% | 5.58% | 5.38% | 5.07% | 5.19% | +40 bps | |
| Efficiency Ratio | 47.59% | 48.09% | 51.25% | 58.35% | 86.60% | +3,901 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.04% | -6.55% | -10.11% | -22.52% | -24.57% | -1,953 bps | |
| Loan Growth (YoY) | 2.09% | 1.42% | -14.95% | -19.13% | -24.19% | -2,628 bps | |
| Share Growth (YoY) | -2.10% | -4.09% | -6.91% | -18.97% | -21.55% | -1,945 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 16.83% | 15.07% | 20.40% | 22.43% | 26.06% | +923 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.31% | 6.14% | 6.39% | 14.98% | 13.11% | +680 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.34% | 7.53% | 7.97% | 2.91% | 2.96% | -338 bps | |
| Net Worth / Assets | 6.34% | 7.53% | 7.97% | 2.91% | 2.96% | -338 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.26% | 91.08% | 87.17% | 87.18% | 85.30% | -297 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |