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L C Municipal

Lake Charles, LA · Charter 11230

NCUA · 1 branch

Q2 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2017, the quarter ended June 30, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

L C Municipal

Lake Charles, LA · Charter 11230

NCUA · 1 branch

Q2 2017

$1.2MAssets
$446KLoans
$1.1MShares
$190KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -2.29%, down 263 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 1.34% of loans (-36 bps YoY).
  • Capital: net worth / assets of 15.29%, down 221 bps from a year ago.
  • Funding: loans stand at 42.45% of shares as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

-2.29%-263 bps YoY

Net Interest Margin (YTD, annualized)

4.23%-152 bps YoY

Efficiency Ratio (YTD, annualized)

92.78%-160 bps YoY

Net Worth / Assets

15.29%-221 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets0.34%0.07%0.07%-4.52%-2.29%-263 bps
Return on Equity1.95%0.41%0.40%-29.22%-14.98%-1,693 bps
Net Interest Margin5.76%5.23%4.93%4.31%4.23%-152 bps
Efficiency Ratio94.38%98.76%98.77%85.60%92.78%-160 bps
Growth
Asset Growth (YoY)-8.66%-5.83%4.14%5.35%5.88%+1,454 bps
Loan Growth (YoY)-7.25%-9.83%-21.34%-13.80%-11.59%-434 bps
Share Growth (YoY)-10.49%-7.18%4.89%8.63%9.11%+1,960 bps
Asset Quality
Delinquent Loans / Loans1.70%2.56%1.09%1.13%1.34%-36 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.18%2.18%0.43%2.86%3.11%-7 bps
Capital
Risk-Based Capital17.50%16.89%16.61%15.48%15.29%-221 bps
Net Worth / Assets17.50%16.89%16.61%15.48%15.29%-221 bps
Liquidity & Funding
Loans / Shares52.39%49.30%47.50%45.89%42.45%-994 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps