Houston, TX · Charter 67613
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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 67613
Q3 2011
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.26% | 0.73% | 0.61% | 0.51% | -35.53% | -3,580 bps | |
| Return on Equity | 0.68% | 1.86% | 1.53% | 1.35% | -374% | -37,458 bps | |
| Net Interest Margin | 2.83% | 2.77% | 2.09% | 1.90% | -32.95% | -3,578 bps | |
| Efficiency Ratio | 83.99% | 61.22% | 72.32% | 74.59% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 5.51% | 0.95% | -0.61% | 8.85% | 9.40% | +389 bps | |
| Loan Growth (YoY) | -11.93% | -26.98% | -46.01% | -41.89% | -40.58% | -2,865 bps | |
| Share Growth (YoY) | 6.65% | -0.05% | -1.97% | 12.94% | 56.93% | +5,028 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.97% | 8.37% | 5.72% | 6.80% | 5.48% | +50 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.16% | 8.39% | 11.14% | 10.30% | 10.74% | +258 bps | |
| Capital | |||||||
| Risk-Based Capital | 38.81% | 39.20% | 39.47% | 37.86% | 9.50% | -2,931 bps | |
| Net Worth / Assets | 38.81% | 39.20% | 39.47% | 37.86% | 9.50% | -2,931 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 24.59% | 21.05% | 15.79% | 14.81% | 9.31% | -1,528 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |