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Humco Credit Union

Houston, TX · Charter 68002

Q2 1996

$958KAssets
$821KLoans
$881KShares
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 1.90%, down 92 bps year over year.
  • Asset quality: problem loans at 7.68% of loans (+610 bps YoY).
  • Funding: loans stand at 93.24% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

1.90%-92 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets2.82%4.35%4.03%4.06%1.90%-92 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)n/an/an/an/a2.75%n/an/a
Loan Growth (YoY)n/an/an/an/a23.95%n/an/a
Share Growth (YoY)n/an/an/an/a6.98%n/an/a
Asset Quality
Delinquent Loans / Loans1.58%3.85%1.48%13.48%7.68%+610 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.06%2.16%1.87%1.94%1.46%-160 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 / Shares80.48%93.75%121.21%115.19%93.24%+1,276 bps
Liquid Assets / Assets31.90%11.28%2.76%3.22%0.00%-3,190 bps