Houston, TX · Charter 7492
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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 7492
Q2 2004
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.10% | -1.11% | -1.10% | -1.66% | -1.57% | -47 bps | |
| Return on Equity | -10.42% | -10.60% | -11.72% | -17.99% | -18.03% | -761 bps | |
| Net Interest Margin | 3.10% | 3.21% | 3.19% | 3.18% | 3.13% | +3 bps | |
| Efficiency Ratio | 122.32% | 123.19% | 123.80% | 139.60% | 138.10% | +1,578 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.10% | -0.76% | 1.44% | -1.86% | -2.23% | -113 bps | |
| Loan Growth (YoY) | -12.67% | -14.24% | -7.61% | -6.57% | -8.62% | +404 bps | |
| Share Growth (YoY) | -1.40% | 0.43% | 3.96% | 1.02% | 0.52% | +192 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.11% | 4.25% | 3.48% | 6.19% | 6.61% | +150 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.75% | 1.23% | 1.55% | 1.61% | 1.72% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.51% | 10.48% | 9.40% | 9.23% | 8.69% | -182 bps | |
| Net Worth / Assets | 10.51% | 10.48% | 9.40% | 9.23% | 8.69% | -182 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.56% | 39.80% | 38.26% | 38.31% | 36.87% | -369 bps | |
| Liquid Assets / Assets | 51.11% | 50.65% | 58.99% | 58.15% | 54.20% | +310 bps | |