PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mobil Employees Chalmette

Arabi, LA · Charter 11672

Q3 2005

$3.2MAssets
$1.8MLoans
$2.8MShares
$342KNet 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 0.63%, up 43 bps year over year; NIM at 4.48%.
  • Asset quality: problem loans at 3.72% of loans (+364 bps YoY).
  • Capital: net worth / assets of 10.71%, up 144 bps from a year ago.
  • Funding: loans stand at 63.07% of shares as of Q3 2005.

Financial Results

Return on Assets (quarter, annualized)

0.63%+43 bps YoY

Net Interest Margin (quarter, annualized)

4.48%+65 bps YoY

Efficiency Ratio (quarter, annualized)

87.12%-1,835 bps YoY

Net Worth / Assets

10.71%+144 bps YoY

Discrete quarter, annualized.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets0.19%0.31%0.37%0.54%0.63%+43 bps
Return on Equity2.06%2.99%3.66%5.17%5.84%+378 bps
Net Interest Margin3.83%4.37%4.43%4.69%4.48%+65 bps
Efficiency Ratio105.47%100.80%92.30%89.48%87.12%-1,835 bps
Growth
Asset Growth (YoY)1.20%-2.04%-3.08%-5.46%-8.16%-936 bps
Loan Growth (YoY)7.36%18.81%26.72%17.17%16.04%+868 bps
Share Growth (YoY)1.56%-2.59%-3.86%-6.74%-9.82%-1,138 bps
Asset Quality
Delinquent Loans / Loans0.08%0.06%0.89%0.04%3.72%+364 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.47%0.54%0.62%0.80%0.79%+32 bps
Capital
Risk-Based Capital9.28%10.28%10.24%10.42%10.71%+144 bps
Net Worth / Assets9.28%10.28%10.24%10.42%10.71%+144 bps
Liquidity & Funding
Loans / Shares49.01%57.43%61.52%60.49%63.07%+1,406 bps
Liquid Assets / Assets49.35%42.31%40.80%37.63%28.35%-2,100 bps