Jennings, LA · Charter 13673
NCUA · 2 branches
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, 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.
Jennings, LA · Charter 13673
NCUA · 2 branches
Q4 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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.68% | -0.24% | -0.27% | -0.16% | 0.31% | -0.70% | -0.14% | 0.15% | +32 bps | |
| Return on Equity | -4.80% | -1.66% | -1.90% | -1.14% | 2.18% | -5.02% | -0.99% | 1.04% | +218 bps | |
| Net Interest Margin | 3.60% | 4.42% | 4.32% | 4.38% | 3.87% | 4.52% | 4.46% | 4.52% | +14 bps | |
| Efficiency Ratio | 115.82% | 104.76% | 105.47% | 103.26% | 93.15% | 117.17% | 103.37% | 96.60% | -666 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.07% | -3.70% | 2.25% | 3.35% | 2.82% | 0.97% | -1.48% | -1.97% | -531 bps | |
| Loan Growth (YoY) | -11.54% | -0.74% | 3.64% | 5.16% | 6.85% | -3.47% | 2.42% | 5.03% | -12 bps | |
| Share Growth (YoY) | -0.93% | -3.82% | 3.09% | 4.47% | 3.36% | 1.35% | -1.71% | -2.80% | -728 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.39% | 2.73% | 3.64% | 8.87% | 2.39% | 11.09% | 9.59% | 6.58% | -229 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 | 3.42% | 3.94% | 5.24% | 4.40% | 4.52% | 5.05% | 3.22% | 3.15% | -125 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.21% | 14.54% | 14.19% | 14.27% | 13.98% | 14.01% | 14.32% | 14.70% | +43 bps | |
| Net Worth / Assets | 14.21% | 14.54% | 14.19% | 14.27% | 13.98% | 14.01% | 14.32% | 14.70% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.92% | 47.74% | 47.21% | 48.99% | 47.48% | 45.47% | 49.20% | 52.94% | +395 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |