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Houston Musicians

Houston, TX · Charter 8872

NCUA · 2 branches

Q1 2018

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2018, the quarter ended March 31, 2018, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Houston Musicians

Houston, TX · Charter 8872

NCUA · 2 branches

Q1 2018

$5.0MAssets
$3.3MLoans
$4.4MShares
$670KNet Worth

Executive Summary

  • Earnings: ROA of 0.73%, up 77 bps year over year; NIM at 5.03%.
  • Asset quality: problem loans at 0.88% of loans (+35 bps YoY).
  • Capital: net worth / assets of 13.27%, up 143 bps from a year ago.
  • Funding: loans stand at 74.30% of shares as of Q1 2018.

Return on Assets (YTD, annualized)

0.73%+77 bps YoY

Net Interest Margin (YTD, annualized)

5.03%+124 bps YoY

Efficiency Ratio (YTD, annualized)

68.86%-2,981 bps YoY

Net Worth / Assets

13.27%+143 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets-0.13%-0.12%-0.08%-0.05%0.05%0.13%0.20%0.73%+77 bps
Return on Equity-1.09%-0.94%-0.65%-0.41%0.44%0.96%1.53%5.46%+587 bps
Net Interest Margin3.98%4.10%3.88%3.80%3.92%4.37%4.32%5.03%+124 bps
Efficiency Ratio103.03%102.64%101.83%98.67%95.89%92.65%90.15%68.86%-2,981 bps
Growth
Asset Growth (YoY)-1.98%2.66%10.23%9.09%1.72%-3.13%-4.43%-8.04%-1,713 bps
Loan Growth (YoY)-10.00%-7.09%-9.76%-4.02%-1.98%5.01%20.23%21.48%+2,550 bps
Share Growth (YoY)-2.11%3.29%11.96%10.46%1.94%-3.74%-5.38%-9.52%-1,998 bps
Asset Quality
Delinquent Loans / Loans0.26%0.27%0.43%0.53%0.50%1.15%1.15%0.88%+35 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.91%2.96%2.86%2.71%2.69%2.77%2.57%2.90%+19 bps
Capital
Risk-Based Capital12.33%12.72%12.06%11.84%12.14%13.24%12.81%13.27%+143 bps
Net Worth / Assets12.33%12.72%12.06%11.84%12.14%13.24%12.81%13.27%+143 bps
Liquidity & Funding
Loans / Shares60.74%60.67%56.50%55.34%58.41%66.19%71.79%74.30%+1,896 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps