Lake Charles, LA · Charter 11230
NCUA · 1 branch
Q2 2017
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Lake Charles, LA · Charter 11230
NCUA · 1 branch
Q2 2017
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 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.45% | -1.05% | 0.73% | 0.34% | 0.07% | 0.07% | -4.52% | -2.29% | -263 bps | |
| Return on Equity | -9.20% | -6.12% | 4.15% | 1.95% | 0.41% | 0.40% | -29.22% | -14.98% | -1,693 bps | |
| Net Interest Margin | 4.83% | 5.26% | 6.19% | 5.76% | 5.23% | 4.93% | 4.31% | 4.23% | -152 bps | |
| Efficiency Ratio | 113.45% | 103.42% | 88.68% | 94.38% | 98.76% | 98.77% | 85.60% | 92.78% | -160 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.58% | -12.12% | -3.44% | -8.66% | -5.83% | 4.14% | 5.35% | 5.88% | +1,454 bps | |
| Loan Growth (YoY) | -8.48% | 3.09% | 3.25% | -7.25% | -9.83% | -21.34% | -13.80% | -11.59% | -434 bps | |
| Share Growth (YoY) | -6.71% | -13.33% | -10.96% | -10.49% | -7.18% | 4.89% | 8.63% | 9.11% | +1,960 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.28% | 2.96% | 2.30% | 1.70% | 2.56% | 1.09% | 1.13% | 1.34% | -36 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 | 1.41% | 1.91% | 2.70% | 3.18% | 2.18% | 0.43% | 2.86% | 3.11% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.74% | 17.23% | 17.62% | 17.50% | 16.89% | 16.61% | 15.48% | 15.29% | -221 bps | |
| Net Worth / Assets | 15.74% | 17.23% | 17.62% | 17.50% | 16.89% | 16.61% | 15.48% | 15.29% | -221 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.75% | 63.34% | 57.82% | 52.39% | 49.30% | 47.50% | 45.89% | 42.45% | -994 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |