Mandeville, LA · Charter 10509
NCUA · 1 branch
Q2 2023
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 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.48% | -0.87% | 0.06% | 0.24% | -0.60% | -0.71% | -0.67% | -1.06% | -130 bps | |
| Return on Equity | -5.23% | -10.38% | 0.75% | 3.18% | -7.94% | -8.74% | -8.48% | -12.39% | -1,556 bps | |
| Net Interest Margin | 1.87% | 1.90% | 2.38% | 2.29% | 2.81% | 3.23% | 4.04% | 4.48% | +218 bps | |
| Efficiency Ratio | 110.68% | 120.58% | 97.63% | 93.02% | 110.07% | 107.35% | 93.48% | 94.20% | +118 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.51% | 16.46% | 8.99% | 23.37% | 7.61% | -5.96% | -6.23% | -26.29% | -4,966 bps | |
| Loan Growth (YoY) | 73.69% | 102.12% | 89.59% | 62.23% | 52.48% | 44.17% | 19.35% | 18.24% | -4,400 bps | |
| Share Growth (YoY) | 22.02% | 19.47% | 10.50% | 19.65% | 9.50% | -5.78% | -5.88% | -23.30% | -4,294 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.44% | 1.05% | 1.48% | 1.03% | 0.70% | 0.72% | 0.43% | 1.94% | +92 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.75% | 1.22% | 0.89% | 0.75% | 0.32% | 0.07% | 0.80% | 1.16% | +41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.20% | 8.35% | 8.18% | 7.41% | 7.60% | 8.16% | 7.84% | 8.56% | +116 bps | |
| Net Worth / Assets | 9.20% | 8.35% | 8.18% | 7.41% | 7.60% | 8.16% | 7.84% | 8.56% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 26.69% | 30.18% | 32.64% | 33.86% | 37.16% | 46.18% | 41.39% | 52.20% | +1,834 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |