Houston, TX · Charter 67583
Q3 2015
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.34% | -0.33% | -0.25% | -0.32% | -0.34% | 0 bps | |
| Return on Equity | -3.33% | -3.09% | -2.44% | -2.99% | -3.04% | +28 bps | |
| Net Interest Margin | 1.58% | 1.64% | 1.61% | 1.64% | 1.69% | +11 bps | |
| Efficiency Ratio | 124.40% | 121.80% | 114.95% | 119.00% | 120.55% | -386 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.98% | -9.72% | -6.69% | -9.61% | -11.98% | -300 bps | |
| Loan Growth (YoY) | 12.92% | 5.95% | 4.71% | -3.32% | -3.12% | -1,604 bps | |
| Share Growth (YoY) | -9.37% | -10.57% | -7.16% | -10.18% | -13.14% | -377 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.01% | 0.01% | 0.19% | 0.17% | 0.04% | +3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.26% | 0.27% | 0.29% | 0.30% | 0.30% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.19% | 10.55% | 10.43% | 10.85% | 11.25% | +106 bps | |
| Net Worth / Assets | 10.19% | 10.55% | 10.43% | 10.85% | 11.25% | +106 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 18.76% | 19.18% | 18.73% | 19.93% | 20.92% | +216 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |