Houston, TX · Charter 68592
NCUA · 1 branch
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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 68592
NCUA · 1 branch
Q3 2018
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.73% | -8.01% | -9.07% | -7.41% | -2.15% | 1.28% | 5.40% | 2.92% | +1,033 bps | |
| Return on Equity | 30.10% | -61.61% | -89.36% | -77.81% | -15.36% | 9.33% | 35.57% | 18.68% | +9,649 bps | |
| Net Interest Margin | 7.34% | 6.36% | 5.92% | 5.77% | 5.93% | 4.86% | 4.50% | 4.72% | -105 bps | |
| Efficiency Ratio | 71.93% | 99.66% | 107.95% | 107.04% | 72.36% | 71.12% | 76.18% | 90.54% | -1,649 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.73% | -9.11% | -20.59% | -13.14% | -8.06% | -8.16% | 1.86% | -2.74% | +1,040 bps | |
| Loan Growth (YoY) | -10.65% | -17.97% | -31.01% | -34.92% | -27.98% | -31.10% | -22.16% | -16.86% | +1,806 bps | |
| Share Growth (YoY) | -16.01% | -19.36% | -16.38% | -9.38% | -2.77% | -2.77% | 4.13% | -0.29% | +909 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.85% | 3.51% | 2.10% | 2.96% | 2.13% | 0.05% | 0.04% | 0.70% | -226 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.13% | 7.23% | 7.90% | 9.03% | 9.19% | 9.74% | 7.21% | 6.52% | -251 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.73% | 12.99% | 10.15% | 9.52% | 13.99% | 13.67% | 15.19% | 15.63% | +611 bps | |
| Net Worth / Assets | 15.73% | 12.99% | 10.15% | 9.52% | 13.99% | 13.67% | 15.19% | 15.63% | +611 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.86% | 83.62% | 72.56% | 66.24% | 73.97% | 59.25% | 54.24% | 55.23% | -1,101 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |