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Coastland

New Orleans, LA · Charter 13137

NCUA · 3 branches

Q3 2017

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: Q3 2017, the quarter ended September 30, 2017, 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

Coastland

New Orleans, LA · Charter 13137

NCUA · 3 branches

Q3 2017

$100.5MAssets
$51.6MLoans
$87.1MShares
$13.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.15%, up 1 bps year over year; NIM at 2.43%.
  • Asset quality: problem loans at 0.12% of loans (+7 bps YoY).
  • Capital: net worth / assets of 13.29%, up 141 bps from a year ago.
  • Funding: loans stand at 59.24% of shares as of Q3 2017.

Return on Assets (YTD, annualized)

0.15%+1 bps YoY

Net Interest Margin (YTD, annualized)

2.43%+16 bps YoY

Efficiency Ratio (YTD, annualized)

95.28%-17 bps YoY

Net Worth / Assets

13.29%+141 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.12%0.12%0.20%0.13%0.17%0.21%0.17%0.15%+1 bps
Return on Equity1.03%1.03%1.67%1.14%1.42%1.68%1.32%1.12%-2 bps
Net Interest Margin2.34%2.26%2.27%2.27%2.33%2.28%2.36%2.43%+16 bps
Efficiency Ratio95.38%96.17%93.57%95.45%94.12%91.30%94.03%95.28%-17 bps
Growth
Asset Growth (YoY)0.04%0.12%-1.58%-0.78%-4.14%-4.75%-7.16%-9.37%-859 bps
Loan Growth (YoY)-4.53%-3.53%0.19%-3.46%-4.25%-5.76%-8.61%-6.69%-323 bps
Share Growth (YoY)-0.18%0.71%-1.45%-1.44%-4.96%-6.50%-9.11%-10.43%-899 bps
Asset Quality
Delinquent Loans / Loans0.23%0.22%0.04%0.05%0.08%0.07%0.05%0.12%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.31%0.29%0.31%0.26%0.27%0.27%0.23%0.20%-6 bps
Capital
Risk-Based Capital11.67%11.65%11.79%11.87%12.35%12.42%12.86%13.29%+141 bps
Net Worth / Assets11.67%11.65%11.79%11.87%12.35%12.42%12.86%13.29%+141 bps
Liquidity & Funding
Loans / Shares56.91%56.39%57.29%56.86%57.33%56.83%57.61%59.24%+238 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps