Shreveport, LA · Charter 11263
NCUA · 8 branches
Q3 2017
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.45% | 0.62% | -44.14% | -39.48% | -27.72% | -2,817 bps | |
| Return on Equity | 2.99% | 4.24% | -1039% | n/a | n/a | n/a | |
| Net Interest Margin | 5.56% | 5.70% | 5.87% | 6.69% | 6.62% | +107 bps | |
| Efficiency Ratio | 89.30% | 88.09% | n/a | n/a | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 3.12% | -1.53% | -7.88% | -20.81% | -23.06% | -2,618 bps | |
| Loan Growth (YoY) | 2.19% | 0.40% | -0.24% | -5.26% | -10.38% | -1,258 bps | |
| Share Growth (YoY) | 3.28% | -0.48% | 1.26% | -4.70% | -7.54% | -1,082 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.85% | 1.97% | 2.03% | 3.82% | 4.35% | +250 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.07% | 1.91% | 2.87% | 2.87% | 2.88% | +80 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.89% | 14.65% | 4.25% | -1.69% | -2.34% | -1,723 bps | |
| Net Worth / Assets | 14.89% | 14.65% | 4.25% | -1.69% | -2.34% | -1,723 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.26% | 89.13% | 84.78% | 87.43% | 84.57% | -269 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |