Houston, TX · Charter 68299
Q1 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2001, the quarter ended March 31, 2001, 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 68299
Q1 2001
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 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.10% | 0.13% | -0.33% | 0.05% | 0.35% | +25 bps | |
| Return on Equity | n/a | n/a | n/a | 0.44% | 2.96% | n/a | |
| Net Interest Margin | 4.15% | 4.14% | 4.15% | 4.16% | 3.81% | -34 bps | |
| Efficiency Ratio | 89.82% | 89.35% | 88.97% | 87.26% | 83.27% | -655 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.94% | 6.63% | 2.04% | -2.26% | -2.47% | -1,041 bps | |
| Loan Growth (YoY) | 29.00% | 13.50% | 3.26% | -4.99% | -13.94% | -4,294 bps | |
| Share Growth (YoY) | 8.85% | 7.51% | 3.40% | -2.24% | -2.93% | -1,178 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.93% | 1.07% | 0.91% | 1.09% | 1.19% | +26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.66% | 0.70% | 1.15% | 0.94% | 1.05% | +39 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 12.22% | 11.95% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 12.22% | 11.95% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.87% | 87.79% | 85.68% | 84.35% | 77.91% | -996 bps | |
| Liquid Assets / Assets | 13.88% | 12.62% | 12.10% | 19.92% | 23.58% | +969 bps | |