Monroe, LA · Charter 14249
NCUA · 1 branch
Q2 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2020, the quarter ended June 30, 2020, 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.
Monroe, LA · Charter 14249
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 | -0.61% | -0.67% | -2.31% | -1.60% | -0.31% | -0.22% | 0.98% | 0.45% | +206 bps | |
| Return on Equity | -3.14% | -3.37% | -12.15% | -8.48% | -1.61% | -1.14% | 5.17% | 2.37% | +1,085 bps | |
| Net Interest Margin | 3.24% | 3.28% | 3.16% | 3.28% | 3.30% | 3.36% | 3.11% | 3.03% | -24 bps | |
| Efficiency Ratio | 104.80% | 106.78% | 117.53% | 121.12% | 104.20% | 102.87% | 111.63% | 107.47% | -1,365 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.87% | -5.74% | -4.93% | -3.69% | -0.37% | 0.05% | 3.37% | 2.94% | +663 bps | |
| Loan Growth (YoY) | 6.62% | 0.01% | -0.02% | 6.46% | 1.68% | 4.75% | 0.27% | -11.38% | -1,784 bps | |
| Share Growth (YoY) | -4.44% | -6.41% | -4.73% | -2.93% | 0.30% | 0.45% | 3.42% | 2.65% | +558 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.80% | 2.44% | 1.65% | 1.50% | 1.82% | 2.03% | 1.99% | 1.59% | +8 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 | 0.76% | 0.89% | 1.35% | 1.30% | 0.77% | 0.77% | 0.13% | 0.13% | -117 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.51% | 19.83% | 19.04% | 18.92% | 19.16% | 19.60% | 19.01% | 19.17% | +25 bps | |
| Net Worth / Assets | 19.51% | 19.83% | 19.04% | 18.92% | 19.16% | 19.60% | 19.01% | 19.17% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.78% | 62.46% | 61.34% | 66.49% | 64.65% | 65.14% | 59.47% | 57.40% | -909 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |