Lockport, LA · Charter 10552
Q2 2008
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 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.81% | -1.16% | -3.21% | -1.02% | -5.71% | -389 bps | |
| Return on Equity | -8.56% | -5.39% | -13.17% | -4.06% | -24.13% | -1,558 bps | |
| Net Interest Margin | 3.49% | 3.45% | 4.23% | -0.05% | -0.24% | -373 bps | |
| Efficiency Ratio | 89.43% | 90.95% | 91.67% | n/a | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -17.71% | -8.26% | -25.25% | -23.56% | -26.29% | -858 bps | |
| Loan Growth (YoY) | -37.78% | -31.02% | -36.49% | -47.37% | -48.31% | -1,052 bps | |
| Share Growth (YoY) | -20.67% | -9.05% | -29.00% | -27.10% | -31.35% | -1,068 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 15.51% | 13.82% | 0.93% | 5.35% | 8.86% | -664 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.06% | 9.13% | 5.82% | 8.08% | 9.86% | +80 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.21% | 21.45% | 24.38% | 25.22% | 23.66% | +245 bps | |
| Net Worth / Assets | 21.21% | 21.45% | 24.38% | 25.22% | 23.66% | +245 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.22% | 27.20% | 25.63% | 21.76% | 19.74% | -648 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |