Gonzales, LA · Charter 12646
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Gonzales, LA · Charter 12646
Q1 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.68% | 0.49% | 0.33% | -3.41% | -376 bps | |
| Return on Equity | 4.21% | 7.74% | 5.52% | 3.72% | -42.91% | -4,711 bps | |
| Net Interest Margin | 4.07% | 4.09% | 3.97% | 3.90% | 3.14% | -93 bps | |
| Efficiency Ratio | 81.15% | 83.28% | 85.66% | 88.54% | 132.23% | +5,108 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.80% | -8.19% | -5.14% | -5.31% | -2.70% | +210 bps | |
| Loan Growth (YoY) | -17.40% | -20.94% | -21.53% | -20.62% | -23.32% | -592 bps | |
| Share Growth (YoY) | -4.39% | -8.64% | -5.91% | -6.03% | -1.11% | +328 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.36% | 3.37% | 3.05% | 4.96% | 2.00% | -136 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.28% | 2.32% | 1.91% | 1.59% | 1.11% | -117 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.34% | 8.79% | 8.81% | 8.93% | 7.96% | -38 bps | |
| Net Worth / Assets | 8.34% | 8.79% | 8.81% | 8.93% | 7.96% | -38 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.95% | 59.70% | 56.53% | 53.93% | 48.04% | -1,391 bps | |
| Liquid Assets / Assets | 27.42% | 32.44% | 34.25% | 34.44% | 41.80% | +1,438 bps | |