Houston, TX · Charter 68392
Q4 2011
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -11.93% | -16.82% | -55.10% | -58.38% | -745% | -73,319 bps | |
| Return on Equity | -53.88% | -65.21% | -59.06% | -60.21% | n/a | n/a | |
| Net Interest Margin | -0.59% | 0.64% | 1.54% | 1.23% | 13.96% | +1,455 bps | |
| Efficiency Ratio | n/a | 1070% | 1511% | 1950% | 2171% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -31.43% | -74.12% | -95.72% | -88.48% | -99.07% | -6,764 bps | |
| Loan Growth (YoY) | -15.88% | -8.23% | -100.00% | -100.00% | -100.00% | -8,412 bps | |
| Share Growth (YoY) | -30.17% | -78.15% | -99.70% | -99.59% | -99.75% | -6,957 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | n/a | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 17.74% | 22.30% | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 22.14% | 25.79% | 93.30% | 96.96% | 0.00% | -2,214 bps | |
| Net Worth / Assets | 22.14% | 25.79% | 93.30% | 96.96% | 0.00% | -2,214 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 4.57% | 8.54% | 0.00% | 0.00% | 0.00% | -457 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |