Houston, TX · Charter 67640
NCUA · 1 branch
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, 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 67640
NCUA · 1 branch
Q3 2016
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.52% | -2.63% | -2.06% | -1.26% | -0.70% | -0.06% | 0.01% | -0.28% | +98 bps | |
| Return on Equity | -3.28% | -17.10% | -13.62% | -8.30% | -4.46% | -0.36% | 0.04% | -1.67% | +663 bps | |
| Net Interest Margin | 2.22% | 2.06% | 2.06% | 2.09% | 2.13% | 2.02% | 2.05% | 2.14% | +5 bps | |
| Efficiency Ratio | 88.97% | 126.68% | 120.14% | 103.03% | 92.68% | 102.34% | 91.70% | 87.92% | -1,511 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.56% | 0.00% | -3.67% | -3.75% | -2.83% | 0.09% | -3.21% | -9.23% | -547 bps | |
| Loan Growth (YoY) | -8.40% | -8.00% | -17.37% | -16.04% | -3.83% | -14.50% | -15.08% | -17.17% | -113 bps | |
| Share Growth (YoY) | 1.29% | 0.40% | -2.73% | -2.92% | -2.18% | 1.27% | -3.99% | -10.96% | -804 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.56% | 3.02% | 2.92% | 4.20% | 4.80% | 6.53% | 5.40% | 3.28% | -92 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 | 6.32% | 8.97% | 9.86% | 10.00% | 7.88% | 9.83% | 7.22% | 7.96% | -203 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.87% | 15.36% | 15.11% | 15.22% | 15.63% | 15.30% | 15.97% | 16.84% | +162 bps | |
| Net Worth / Assets | 15.87% | 15.36% | 15.11% | 15.22% | 15.63% | 15.30% | 15.97% | 16.84% | +162 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 16.65% | 13.96% | 13.98% | 14.21% | 16.37% | 11.79% | 12.37% | 13.22% | -99 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |