Houston, TX · Charter 67910
NCUA · 1 branch
Q2 2019
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | 0.02% | -0.20% | -0.06% | -9.07% | -7.50% | -0.61% | -1.25% | -119 bps | |
| Return on Equity | 0.18% | 0.05% | -0.49% | -0.15% | -26.61% | -21.21% | -1.86% | -3.82% | -367 bps | |
| Net Interest Margin | 4.44% | 4.63% | 4.41% | 4.07% | 3.97% | 3.88% | 2.90% | 2.84% | -124 bps | |
| Efficiency Ratio | 80.48% | 79.02% | 101.09% | 93.28% | 108.90% | 116.62% | 143.25% | 155.63% | +6,235 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.63% | -9.64% | -13.47% | -5.81% | -11.88% | -13.53% | 3.95% | -7.30% | -149 bps | |
| Loan Growth (YoY) | 1.49% | -4.62% | -17.96% | -30.88% | -40.25% | -50.14% | -35.72% | -38.98% | -810 bps | |
| Share Growth (YoY) | -15.63% | -15.75% | -10.80% | 3.14% | 2.91% | 1.17% | 20.33% | -0.26% | -339 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 27.65% | 16.69% | 36.31% | 42.93% | 20.56% | 45.17% | 45.86% | 53.88% | +1,096 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 | 4.09% | 1.38% | 9.65% | 11.48% | 35.31% | 29.53% | 25.39% | 25.68% | +1,420 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 43.49% | 44.70% | 41.24% | 37.67% | 34.06% | 35.35% | 32.61% | 32.66% | -501 bps | |
| Net Worth / Assets | 43.49% | 44.70% | 41.24% | 37.67% | 34.06% | 35.35% | 32.61% | 32.66% | -501 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.16% | 69.39% | 57.31% | 43.50% | 38.99% | 34.20% | 30.61% | 26.61% | -1,689 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |