Houston, TX · Charter 67495
Q4 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1997, the quarter ended December 31, 1997, 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 67495
Q4 1997
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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.96% | 4.54% | 3.88% | 2.26% | 2.93% | -203 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) | n/a | -4.52% | -7.23% | -0.55% | -7.46% | n/a | |
| Loan Growth (YoY) | n/a | 7.10% | -2.31% | -0.43% | -8.59% | n/a | |
| Share Growth (YoY) | n/a | -8.55% | -12.33% | -1.35% | -5.62% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.95% | 0.81% | 2.49% | 3.31% | 2.46% | -49 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.86% | 2.85% | 2.65% | 3.46% | 3.36% | -50 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 | 114.90% | 112.45% | 110.15% | 106.28% | 111.28% | -362 bps | |
| Liquid Assets / Assets | 1.99% | 7.82% | 11.21% | 7.81% | 6.28% | +429 bps | |