Baton Rouge, LA · Charter 11906
NCUA · 4 branches
Q1 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 1.33% | 1.21% | 1.13% | 1.73% | 1.12% | 1.06% | -0.02% | -115 bps | |
| Return on Equity | 9.59% | 9.52% | 8.41% | 7.19% | 10.52% | 6.61% | 6.03% | -0.12% | -731 bps | |
| Net Interest Margin | 2.18% | 2.50% | 2.59% | 2.75% | 2.90% | 3.02% | 3.07% | 2.79% | +4 bps | |
| Efficiency Ratio | 66.29% | 65.62% | 67.68% | 67.11% | 52.75% | 64.79% | 67.86% | 82.75% | +1,564 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.96% | -5.04% | -6.22% | -13.29% | -16.50% | -12.31% | -12.97% | -4.77% | +851 bps | |
| Loan Growth (YoY) | -0.73% | 0.08% | 3.44% | 3.27% | 4.98% | 0.70% | 2.61% | -3.02% | -630 bps | |
| Share Growth (YoY) | 3.33% | -6.82% | -8.60% | -17.12% | -20.84% | -15.95% | -16.69% | -6.43% | +1,069 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.56% | 0.80% | 1.54% | 0.68% | 0.09% | 0.58% | 1.67% | 2.07% | +139 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 | 0.41% | 0.40% | 0.40% | 0.27% | 0.15% | 0.00% | 0.00% | 0.00% | -27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.71% | 13.99% | 14.43% | 15.76% | 16.44% | 17.01% | 17.64% | 17.34% | +158 bps | |
| Net Worth / Assets | 12.71% | 13.99% | 14.43% | 15.76% | 16.44% | 17.01% | 17.64% | 17.34% | +158 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.64% | 53.32% | 54.76% | 61.27% | 63.18% | 63.89% | 67.44% | 63.50% | +223 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |