Houston, TX · Charter 67487
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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 67487
Q1 2012
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27% | 0.28% | 0.29% | 0.33% | -12.64% | -1,292 bps | |
| Return on Equity | 2.47% | 2.51% | 2.57% | 2.82% | -149.66% | -15,213 bps | |
| Net Interest Margin | 2.10% | 2.00% | 2.33% | 2.27% | -11.29% | -1,339 bps | |
| Efficiency Ratio | 86.97% | 86.33% | 87.31% | 85.47% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -0.02% | 1.20% | -3.27% | -5.80% | -2.32% | -229 bps | |
| Loan Growth (YoY) | -11.23% | -11.23% | -15.94% | -18.19% | -20.28% | -904 bps | |
| Share Growth (YoY) | 1.02% | 0.29% | -4.67% | -5.43% | 1.07% | +5 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.38% | 0.50% | 0.46% | 0.40% | 0.64% | +26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.49% | 1.54% | 1.65% | 1.67% | 0.87% | -62 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.09% | 11.04% | 11.27% | 11.75% | 8.45% | -264 bps | |
| Net Worth / Assets | 11.09% | 11.04% | 11.27% | 11.75% | 8.45% | -264 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.62% | 47.64% | 45.34% | 46.79% | 39.14% | -1,048 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |