Jennings, LA · Charter 13673
NCUA · 2 branches
Q4 2017
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.16% | 0.31% | -0.70% | -0.14% | 0.15% | +32 bps | |
| Return on Equity | -1.14% | 2.18% | -5.02% | -0.99% | 1.04% | +218 bps | |
| Net Interest Margin | 4.38% | 3.87% | 4.52% | 4.46% | 4.52% | +14 bps | |
| Efficiency Ratio | 103.26% | 93.15% | 117.17% | 103.37% | 96.60% | -666 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.35% | 2.82% | 0.97% | -1.48% | -1.97% | -531 bps | |
| Loan Growth (YoY) | 5.16% | 6.85% | -3.47% | 2.42% | 5.03% | -12 bps | |
| Share Growth (YoY) | 4.47% | 3.36% | 1.35% | -1.71% | -2.80% | -728 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 4.40% | 4.52% | 5.05% | 3.22% | 3.15% | -125 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.27% | 13.98% | 14.01% | 14.32% | 14.70% | +43 bps | |
| Net Worth / Assets | 14.27% | 13.98% | 14.01% | 14.32% | 14.70% | +43 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |