Houston, TX · Charter 68592
NCUA · 1 branch
Q3 2018
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 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -7.41% | -2.15% | 1.28% | 5.40% | 2.92% | +1,033 bps | |
| Return on Equity | -77.81% | -15.36% | 9.33% | 35.57% | 18.68% | +9,649 bps | |
| Net Interest Margin | 5.77% | 5.93% | 4.86% | 4.50% | 4.72% | -105 bps | |
| Efficiency Ratio | 107.04% | 72.36% | 71.12% | 76.18% | 90.54% | -1,649 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.14% | -8.06% | -8.16% | 1.86% | -2.74% | +1,040 bps | |
| Loan Growth (YoY) | -34.92% | -27.98% | -31.10% | -22.16% | -16.86% | +1,806 bps | |
| Share Growth (YoY) | -9.38% | -2.77% | -2.77% | 4.13% | -0.29% | +909 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 9.03% | 9.19% | 9.74% | 7.21% | 6.52% | -251 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.52% | 13.99% | 13.67% | 15.19% | 15.63% | +611 bps | |
| Net Worth / Assets | 9.52% | 13.99% | 13.67% | 15.19% | 15.63% | +611 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |