Houston, TX · Charter 8872
NCUA · 2 branches
Q1 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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.05% | 0.05% | 0.13% | 0.20% | 0.73% | +77 bps | |
| Return on Equity | -0.41% | 0.44% | 0.96% | 1.53% | 5.46% | +587 bps | |
| Net Interest Margin | 3.80% | 3.92% | 4.37% | 4.32% | 5.03% | +124 bps | |
| Efficiency Ratio | 98.67% | 95.89% | 92.65% | 90.15% | 68.86% | -2,981 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.09% | 1.72% | -3.13% | -4.43% | -8.04% | -1,713 bps | |
| Loan Growth (YoY) | -4.02% | -1.98% | 5.01% | 20.23% | 21.48% | +2,550 bps | |
| Share Growth (YoY) | 10.46% | 1.94% | -3.74% | -5.38% | -9.52% | -1,998 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.53% | 0.50% | 1.15% | 1.15% | 0.88% | +35 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.71% | 2.69% | 2.77% | 2.57% | 2.90% | +19 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.84% | 12.14% | 13.24% | 12.81% | 13.27% | +143 bps | |
| Net Worth / Assets | 11.84% | 12.14% | 13.24% | 12.81% | 13.27% | +143 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.34% | 58.41% | 66.19% | 71.79% | 74.30% | +1,896 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |