Houston, TX · Charter 67594
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, 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 67594
Q4 2007
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.20% | 0.52% | 0.63% | 0.54% | -8.85% | -905 bps | |
| Return on Equity | 1.54% | 3.96% | 4.69% | 3.89% | -164.01% | -16,555 bps | |
| Net Interest Margin | 3.33% | 3.48% | 3.60% | 3.65% | 3.80% | +47 bps | |
| Efficiency Ratio | 94.32% | 87.93% | 85.90% | 87.18% | 288% | +19,384 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.76% | 18.79% | -6.90% | -6.20% | -9.44% | -2,720 bps | |
| Loan Growth (YoY) | 8.55% | 2.45% | 1.04% | -0.69% | -4.81% | -1,335 bps | |
| Share Growth (YoY) | 21.02% | 21.35% | -8.88% | -6.42% | -10.44% | -3,146 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.09% | 0.13% | 0.12% | 0.57% | 0.54% | +45 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.44% | 0.44% | 0.44% | 0.44% | 0.42% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.91% | 13.12% | 13.54% | 14.00% | 5.40% | -751 bps | |
| Net Worth / Assets | 12.91% | 13.12% | 13.54% | 14.00% | 5.40% | -751 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.78% | 37.66% | 38.26% | 39.58% | 39.10% | +231 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |