Houston, TX · Charter 68002
Q2 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1996, the quarter ended June 30, 1996, 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 68002
Q2 1996
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.82% | 4.35% | 4.03% | 4.06% | 1.90% | -92 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) | n/a | n/a | n/a | n/a | 2.75% | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 23.95% | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 6.98% | n/a | n/a |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.58% | 3.85% | 1.48% | 13.48% | 7.68% | +610 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.06% | 2.16% | 1.87% | 1.94% | 1.46% | -160 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 | 80.48% | 93.75% | 121.21% | 115.19% | 93.24% | +1,276 bps | |
| Liquid Assets / Assets | 31.90% | 11.28% | 2.76% | 3.22% | 0.00% | -3,190 bps | |