Houston, TX · Charter 7482
NCUA · 2 branches
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=67 to 68). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
36
Profitability
16
Liquidity
84
Efficiency
3
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Houston, TX · Charter 7482
NCUA · 2 branches
Q1 2025
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 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.32% | -0.10% | -0.31% | -0.56% | -3.50% | -318 bps | |
| Return on Equity | -3.76% | -1.23% | -3.52% | -6.59% | -61.69% | -5,793 bps | |
| Net Interest Margin | 3.91% | 3.95% | 4.21% | 4.21% | 3.79% | -11 bps | |
| Efficiency Ratio | 103.66% | 98.08% | 98.11% | 98.61% | 160.99% | +5,734 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.03% | -3.31% | -5.89% | -6.23% | -1.34% | +369 bps | |
| Loan Growth (YoY) | -3.00% | -5.28% | -9.44% | -15.89% | -14.42% | -1,143 bps | |
| Share Growth (YoY) | -5.18% | -3.34% | -5.73% | -6.53% | -0.10% | +508 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.80% | 0.45% | 0.95% | 0.94% | 0.90% | +10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.46% | 8.55% | 8.84% | 8.52% | 5.67% | -279 bps | |
| Net Worth / Assets | 8.46% | 8.55% | 8.84% | 8.52% | 5.67% | -279 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.53% | 89.35% | 90.10% | 85.72% | 76.69% | -1,284 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Houston, TX · Charter 7482 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=67-68)
NCUA · 2 branches
Q1 2025
Return on Assets
-3.50%
Rank 67 of 68
Net Interest Margin
3.80%
Rank 35 of 67
Efficiency Ratio
160.49%
Rank 66 of 67
Equity / Assets
5.67%
Rank 67 of 67
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.50% | 0.19% | 0.61% | 1.29% | Beats 1% | 67 / 68 | |
| Return on Equity | -61.68% | 0.55% | 4.19% | 8.36% | Beats 0% | 67 / 67 | |
| Net Interest Margin | 3.80% | 3.20% | 3.81% | 4.73% | Beats 48% | 35 / 67 | |
| Efficiency Ratio | 160.49% | 70.81% | 80.92% | 94.54% | Beats 3% | 66 / 67 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.90% | 0.22% | 0.76% | 1.20% | Beats 36% | 44 / 67 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 5.67% | 10.22% | 12.82% | 19.20% | Beats 0% | 68 / 68 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 5.67% | 10.08% | 12.74% | 18.94% | Beats 0% | 67 / 67 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.69% | 57.57% | 73.72% | 87.98% | 57th pctl | 29 / 67 | |
| Loans / Assets | 70.94% | 49.56% | 61.78% | 70.91% | 76th pctl | 16 / 67 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||