New Orleans, LA · Charter 10282
Q4 2006
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -23.58% | -25.57% | -15.46% | -509% | -290% | -26,600 bps | |
| Return on Equity | -93.84% | -122.22% | -60.14% | n/a | n/a | n/a | |
| Net Interest Margin | 13.83% | 5.29% | 3.43% | 88.96% | 13.26% | -57 bps | |
| Efficiency Ratio | 80.93% | 583% | 551% | 117.59% | 227% | +14,624 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -26.20% | -36.56% | -46.46% | -81.78% | -75.90% | -4,970 bps | |
| Loan Growth (YoY) | -16.95% | -5.60% | -23.20% | -98.44% | -100.00% | -8,305 bps | |
| Share Growth (YoY) | -12.52% | -26.06% | -65.80% | -15.18% | -6.20% | +632 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 79.30% | 93.27% | 98.40% | 100.00% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 26.31% | 26.36% | 27.86% | 0.00% | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 25.13% | 20.92% | 25.70% | -188.37% | -185.31% | -21,044 bps | |
| Net Worth / Assets | 25.13% | 20.92% | 25.70% | -188.37% | -185.31% | -21,044 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 138.73% | 142.54% | 322% | 2.62% | 0.00% | -13,873 bps | |
| Liquid Assets / Assets | 20.58% | 13.90% | 0.00% | 0.00% | 0.00% | -2,058 bps | |