Houston, TX · Charter 67863
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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 67863
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.01% | 3.59% | 3.77% | 2.72% | 4.10% | +9 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 0.36% | -2.87% | -9.12% | 2.01% | 4.05% | +369 bps | |
| Loan Growth (YoY) | -0.27% | 19.20% | 1.01% | -3.33% | -1.48% | -121 bps | |
| Share Growth (YoY) | -1.79% | -4.94% | -12.64% | 3.17% | 4.18% | +598 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.16% | 0.07% | 0.83% | 1.73% | +173 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.33% | 0.96% | 1.26% | 1.23% | 1.27% | -6 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.89% | 97.49% | 88.83% | 86.08% | 83.11% | -478 bps | |
| Liquid Assets / Assets | 23.00% | 10.77% | 17.82% | 20.27% | 22.28% | -71 bps | |