PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Houston Municipal Employees CU

Houston, TX · Charter 68041

Q4 1995

$14.7MAssets
$8.6MLoans
$12.9MShares
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 3.27%.
  • Asset quality: problem loans at 0.93% of loans.
  • Funding: loans stand at 67.15% of shares as of Q4 1995.

Financial Results

Return on Assets (YTD, annualized)

3.27%

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995YoY ΔTrend
Earnings
Return on Assets3.31%3.39%2.63%3.27%n/a
Return on Equityn/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans0.69%0.91%1.06%0.93%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans6.08%5.25%2.84%2.46%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares54.20%58.99%58.42%67.15%n/a
Liquid Assets / Assets27.33%28.35%18.45%30.49%n/a