Minden, LA · Charter 11928
NCUA · 1 branch
Q1 2020
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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.25% | -1.98% | -4.85% | 1.08% | 0.51% | 0.08% | -0.35% | -5.36% | -644 bps | |
| Return on Equity | -14.81% | -13.21% | -40.93% | 8.98% | 4.34% | 0.71% | -3.89% | -64.46% | -7,343 bps | |
| Net Interest Margin | 3.92% | 4.02% | 3.75% | 4.65% | 4.19% | 4.33% | 4.63% | 4.28% | -37 bps | |
| Efficiency Ratio | 82.06% | 72.09% | 159.65% | 77.83% | 88.26% | 98.36% | 106.72% | 177.08% | +9,925 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.33% | -2.92% | 0.87% | -0.80% | 0.53% | -1.11% | -8.01% | -15.61% | -1,481 bps | |
| Loan Growth (YoY) | -6.68% | -12.33% | -11.86% | -13.79% | -16.39% | -16.56% | -24.08% | -30.39% | -1,659 bps | |
| Share Growth (YoY) | 2.49% | 1.78% | 6.48% | 4.59% | 4.31% | 2.94% | -4.79% | -12.20% | -1,679 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.25% | 1.90% | 1.72% | 1.23% | 3.28% | 3.91% | 8.27% | 6.88% | +565 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 | 4.14% | 5.44% | 5.46% | 5.83% | 5.93% | 4.91% | 4.25% | 4.15% | -168 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.17% | 14.98% | 11.84% | 11.98% | 11.81% | 11.22% | 8.94% | 8.32% | -367 bps | |
| Net Worth / Assets | 15.17% | 14.98% | 11.84% | 11.98% | 11.81% | 11.22% | 8.94% | 8.32% | -367 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.45% | 72.69% | 72.35% | 67.37% | 62.09% | 58.92% | 57.69% | 53.41% | -1,395 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |