Houston, TX · Charter 67601
Q2 2009
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.19% | 2.52% | 2.02% | 1.49% | 2.76% | -43 bps | |
| Return on Equity | 11.57% | 9.28% | 7.51% | 5.65% | 10.66% | -92 bps | |
| Net Interest Margin | 4.21% | 4.04% | 3.91% | 3.68% | 4.00% | -21 bps | |
| Efficiency Ratio | 64.85% | 60.41% | 59.78% | 62.69% | 48.25% | -1,660 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.25% | 8.59% | 8.54% | 8.50% | 10.30% | +306 bps | |
| Loan Growth (YoY) | -4.43% | -4.21% | -5.82% | -2.05% | 6.42% | +1,085 bps | |
| Share Growth (YoY) | 4.74% | 7.87% | 8.57% | 9.44% | 11.70% | +696 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.17% | 1.34% | 0.80% | 0.75% | 0.60% | -58 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.11% | 0.24% | 0.39% | 0.53% | 0.36% | +24 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.56% | 27.18% | 26.94% | 26.39% | 25.88% | -168 bps | |
| Net Worth / Assets | 27.56% | 27.18% | 26.94% | 26.39% | 25.88% | -168 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.21% | 88.41% | 85.41% | 87.19% | 87.85% | -436 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |