Kenner, LA · Charter 14160
NCUA · 1 branch
Q2 2020
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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.93% | -3.39% | 0.52% | 1.76% | 0.96% | 1.31% | 0.07% | 0.65% | -111 bps | |
| Return on Equity | -20.43% | -13.45% | 2.16% | 7.48% | 4.19% | 5.51% | 0.28% | 2.17% | -531 bps | |
| Net Interest Margin | 8.26% | 8.84% | 7.73% | 7.60% | 6.82% | 7.27% | 5.97% | 7.53% | -6 bps | |
| Efficiency Ratio | 71.16% | 67.14% | 72.24% | 78.52% | 79.36% | 75.74% | 89.65% | 86.92% | +839 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.35% | -5.31% | -1.01% | 3.73% | 11.12% | 12.03% | 6.55% | -18.03% | -2,176 bps | |
| Loan Growth (YoY) | -7.70% | -5.71% | 7.98% | -6.98% | 1.16% | -1.96% | -12.55% | -19.79% | -1,281 bps | |
| Share Growth (YoY) | -3.45% | -2.82% | 2.81% | 7.99% | 13.06% | 14.14% | 7.04% | -25.13% | -3,312 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.40% | 9.18% | 8.87% | 7.02% | 12.77% | 19.19% | 23.51% | 31.35% | +2,433 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 | 7.79% | 8.00% | 8.61% | 10.80% | 9.73% | 10.88% | 12.44% | 14.92% | +411 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.13% | 25.21% | 24.29% | 23.56% | 22.79% | 23.82% | 24.01% | 30.18% | +662 bps | |
| Net Worth / Assets | 24.13% | 25.21% | 24.29% | 23.56% | 22.79% | 23.82% | 24.01% | 30.18% | +662 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.62% | 93.03% | 92.26% | 84.31% | 81.99% | 79.91% | 75.38% | 90.32% | +601 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |