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McNeese

Lake Charles, LA · Charter 12571

NCUA · 1 branch

Q1 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2022, the quarter ended March 31, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

McNeese

Lake Charles, LA · Charter 12571

NCUA · 1 branch

Q1 2022

$17.8MAssets
$2.6MLoans
$16.0MShares
$1.8MNet Worth

Executive Summary

  • Earnings: ROA of -4.19%, down 444 bps year over year; NIM at 1.44%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 10.07%, down 189 bps from a year ago.
  • Funding: loans stand at 16.29% of shares as of Q1 2022.

Return on Assets (YTD, annualized)

-4.19%-444 bps YoY

Net Interest Margin (YTD, annualized)

1.44%-50 bps YoY

Efficiency Ratio (YTD, annualized)

572%+48,402 bps YoY

Net Worth / Assets

10.07%-189 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022YoY ΔTrend
Earnings
Return on Assets0.51%0.48%0.40%0.25%0.13%0.05%-1.27%-4.19%-444 bps
Return on Equity3.76%3.55%3.18%2.13%1.12%0.44%-11.69%-41.60%-4,372 bps
Net Interest Margin2.62%2.56%2.33%1.95%1.79%1.74%1.72%1.44%-50 bps
Efficiency Ratio81.69%82.37%83.87%87.75%93.21%97.23%250%572%+48,402 bps
Growth
Asset Growth (YoY)4.24%4.34%12.56%19.60%17.92%14.62%3.69%-4.20%-2,379 bps
Loan Growth (YoY)-13.19%-14.78%-14.42%-14.23%-16.31%-9.62%-11.44%-14.49%-25 bps
Share Growth (YoY)4.14%4.34%14.02%22.31%20.45%16.79%5.66%-2.13%-2,444 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.13%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.54%0.57%0.59%0.62%0.65%0.63%0.67%0.72%+11 bps
Capital
Risk-Based Capital13.56%13.51%12.55%11.95%11.72%11.88%10.84%10.07%-189 bps
Net Worth / Assets13.56%13.51%12.55%11.95%11.72%11.88%10.84%10.07%-189 bps
Liquidity & Funding
Loans / Shares25.01%23.46%20.77%18.64%17.38%18.16%17.41%16.29%-235 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps