Houston, TX · Charter 68175
Q3 2013
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.86% | 1.85% | -82.38% | -45.27% | -35.42% | -3,729 bps | |
| Return on Equity | 7.94% | 7.79% | -1073% | -480% | -526% | -53,411 bps | |
| Net Interest Margin | 5.83% | 5.71% | 3.86% | 6.95% | 5.85% | +2 bps | |
| Efficiency Ratio | 73.20% | 72.84% | 302% | 138.10% | 188.87% | +11,567 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.82% | -5.79% | -21.24% | -30.09% | -29.09% | -3,191 bps | |
| Loan Growth (YoY) | -2.78% | -5.78% | -15.16% | -45.92% | -51.59% | -4,882 bps | |
| Share Growth (YoY) | 0.78% | -9.42% | -8.97% | -19.82% | -14.74% | -1,552 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 22.38% | 12.19% | 58.46% | 10.80% | 35.17% | +1,279 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 10.30% | 10.24% | 45.78% | 58.75% | 68.58% | +5,828 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.46% | 23.82% | 7.68% | 9.42% | 6.73% | -1,673 bps | |
| Net Worth / Assets | 23.46% | 23.82% | 7.68% | 9.42% | 6.73% | -1,673 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.16% | 67.53% | 60.02% | 43.33% | 38.13% | -2,903 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |