Houma, LA · Charter 12404
Q3 2008
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.00% | 1.85% | 1.87% | 1.56% | 1.24% | -75 bps | |
| Return on Equity | 21.73% | 18.51% | 19.02% | 15.51% | 12.31% | -942 bps | |
| Net Interest Margin | 4.07% | 4.24% | 4.05% | 3.78% | 3.64% | -43 bps | |
| Efficiency Ratio | 59.85% | 61.37% | 61.78% | 63.64% | 69.07% | +922 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.11% | 3.65% | 1.40% | 4.10% | 3.89% | +78 bps | |
| Loan Growth (YoY) | 4.30% | -0.24% | -6.03% | -8.41% | -10.51% | -1,480 bps | |
| Share Growth (YoY) | 1.39% | 1.75% | -0.58% | 2.62% | 2.93% | +153 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.61% | 0.61% | 0.91% | 0.71% | 1.24% | +63 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.27% | 0.53% | 0.57% | 0.60% | 0.74% | +47 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.19% | 10.01% | 9.83% | 10.04% | 10.08% | +90 bps | |
| Net Worth / Assets | 9.19% | 10.01% | 9.83% | 10.04% | 10.08% | +90 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.10% | 51.50% | 45.80% | 43.92% | 42.69% | -641 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |