Houston, TX · Charter 68233
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.40% | 1.60% | 1.48% | 0.53% | -90.46% | -9,186 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 | 5.36% | 289% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 87.92% | 136.19% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | 36.65% | 22.63% | -98.36% | n/a | |
| Loan Growth (YoY) | n/a | n/a | -51.90% | -36.85% | -100.00% | n/a | |
| Share Growth (YoY) | n/a | n/a | 568% | 140.14% | -100.00% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.15% | 0.00% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.13% | 0.47% | n/a | n/a | |
| 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 | 184.70% | 105.51% | 104.76% | 112.23% | n/a | n/a | |
| Liquid Assets / Assets | 56.27% | 64.91% | 64.41% | 45.51% | 0.00% | -5,627 bps | |