Lake Charles, LA · Charter 11203
NCUA · 1 branch
Q3 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | -0.27% | 0.17% | 0.38% | 0.24% | -0.19% | -0.27% | -0.32% | -71 bps | |
| Return on Equity | 1.48% | -4.49% | 2.70% | 5.77% | 3.46% | -2.78% | -3.77% | -4.58% | -1,035 bps | |
| Net Interest Margin | 1.92% | 1.59% | 1.68% | 1.71% | 1.82% | 1.83% | 1.90% | 1.94% | +24 bps | |
| Efficiency Ratio | 96.29% | 112.09% | 91.85% | 84.60% | 90.26% | 108.03% | 111.08% | 112.39% | +2,779 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 40.30% | 41.76% | 31.57% | 17.89% | -2.74% | -9.12% | -10.66% | -9.56% | -2,745 bps | |
| Loan Growth (YoY) | -10.24% | 0.84% | 10.99% | 15.71% | 10.74% | 3.23% | 6.68% | -0.60% | -1,631 bps | |
| Share Growth (YoY) | 43.94% | 45.71% | 34.11% | 19.35% | -3.10% | -9.98% | -11.36% | -9.87% | -2,922 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.96% | 1.24% | 0.79% | 0.03% | 0.05% | 0.76% | 0.74% | -5 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 | 0.20% | 0.27% | 0.29% | 0.21% | 0.23% | 0.21% | 0.15% | 0.18% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.44% | 6.11% | 6.29% | 6.64% | 6.86% | 7.00% | 7.07% | 7.04% | +39 bps | |
| Net Worth / Assets | 6.44% | 6.11% | 6.29% | 6.64% | 6.86% | 7.00% | 7.07% | 7.04% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.04% | 45.60% | 48.67% | 51.78% | 51.47% | 52.29% | 58.58% | 57.11% | +533 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |