PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Houston Area Central

Houston, TX · Charter 67981

Q2 1999

$11.6MAssets
$5.0MLoans
$10.4MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.75%, down 127 bps year over year.
  • Asset quality: problem loans at 2.91% of loans (+195 bps YoY).
  • Funding: loans stand at 48.23% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

1.75%-127 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets3.02%2.91%2.24%2.61%1.75%-127 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)0.01%-2.66%-1.92%-1.97%2.86%+286 bps
Loan Growth (YoY)0.37%-2.13%-6.21%-20.39%-17.90%-1,828 bps
Share Growth (YoY)-2.89%-4.41%-4.15%-1.88%3.78%+667 bps
Asset Quality
Delinquent Loans / Loans0.96%0.92%2.25%2.37%2.91%+195 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.77%0.85%1.07%1.05%1.29%+53 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares60.97%67.83%59.88%54.46%48.23%-1,274 bps
Liquid Assets / Assets23.87%19.51%33.68%32.90%39.86%+1,598 bps