New Orleans, LA · Charter 13137
NCUA · 3 branches
Q3 2017
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.12% | 0.20% | 0.13% | 0.17% | 0.21% | 0.17% | 0.15% | +1 bps | |
| Return on Equity | 1.03% | 1.03% | 1.67% | 1.14% | 1.42% | 1.68% | 1.32% | 1.12% | -2 bps | |
| Net Interest Margin | 2.34% | 2.26% | 2.27% | 2.27% | 2.33% | 2.28% | 2.36% | 2.43% | +16 bps | |
| Efficiency Ratio | 95.38% | 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 / Loans | 0.23% | 0.22% | 0.04% | 0.05% | 0.08% | 0.07% | 0.05% | 0.12% | +7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.31% | 0.29% | 0.31% | 0.26% | 0.27% | 0.27% | 0.23% | 0.20% | -6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.67% | 11.65% | 11.79% | 11.87% | 12.35% | 12.42% | 12.86% | 13.29% | +141 bps | |
| Net Worth / Assets | 11.67% | 11.65% | 11.79% | 11.87% | 12.35% | 12.42% | 12.86% | 13.29% | +141 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.91% | 56.39% | 57.29% | 56.86% | 57.33% | 56.83% | 57.61% | 59.24% | +238 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |