Lake Charles, LA · Charter 12571
NCUA · 1 branch
Q1 2022
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | 0.13% | 0.05% | -1.27% | -4.19% | -444 bps | |
| Return on Equity | 2.13% | 1.12% | 0.44% | -11.69% | -41.60% | -4,372 bps | |
| Net Interest Margin | 1.95% | 1.79% | 1.74% | 1.72% | 1.44% | -50 bps | |
| Efficiency Ratio | 87.75% | 93.21% | 97.23% | 250% | 572% | +48,402 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 19.60% | 17.92% | 14.62% | 3.69% | -4.20% | -2,379 bps | |
| Loan Growth (YoY) | -14.23% | -16.31% | -9.62% | -11.44% | -14.49% | -25 bps | |
| Share Growth (YoY) | 22.31% | 20.45% | 16.79% | 5.66% | -2.13% | -2,444 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.13% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.65% | 0.63% | 0.67% | 0.72% | +11 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.95% | 11.72% | 11.88% | 10.84% | 10.07% | -189 bps | |
| Net Worth / Assets | 11.95% | 11.72% | 11.88% | 10.84% | 10.07% | -189 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 18.64% | 17.38% | 18.16% | 17.41% | 16.29% | -235 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |