Houston, TX · Charter 67570
NCUA · 1 branch
Q1 2020
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 1.43% | 1.46% | 2.09% | 1.93% | 1.81% | 1.54% | 0.85% | -124 bps | |
| Return on Equity | 5.63% | 6.82% | 6.77% | 9.28% | 8.46% | 7.60% | 6.24% | 3.37% | -591 bps | |
| Net Interest Margin | 1.60% | 1.76% | 1.91% | 2.49% | 2.51% | 2.56% | 2.58% | 2.01% | -47 bps | |
| Efficiency Ratio | 70.04% | 65.41% | 64.11% | 56.62% | 57.09% | 58.62% | 61.92% | 84.73% | +2,811 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.83% | -0.96% | -1.52% | -4.91% | -5.06% | -4.74% | -6.48% | -6.43% | -152 bps | |
| Loan Growth (YoY) | 4.39% | 3.32% | 18.80% | 24.91% | 35.01% | 30.83% | 6.34% | -5.74% | -3,065 bps | |
| Share Growth (YoY) | -0.48% | -2.71% | -4.40% | -7.89% | -8.87% | -9.19% | -10.03% | -10.08% | -219 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.57% | 0.24% | 0.30% | 0.00% | 0.18% | 0.24% | 0.50% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.63% | 1.12% | 1.08% | 0.58% | 0.71% | 0.74% | 0.98% | 0.67% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.91% | 21.01% | 21.62% | 22.52% | 22.83% | 23.80% | 24.66% | 25.28% | +277 bps | |
| Net Worth / Assets | 19.91% | 21.01% | 21.62% | 22.52% | 22.83% | 23.80% | 24.66% | 25.28% | +277 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 20.03% | 21.30% | 26.91% | 28.79% | 29.67% | 30.69% | 31.81% | 30.18% | +139 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |