Monroe, LA · Charter 14249
NCUA · 1 branch
Q2 2020
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.60% | -0.31% | -0.22% | 0.98% | 0.45% | +206 bps | |
| Return on Equity | -8.48% | -1.61% | -1.14% | 5.17% | 2.37% | +1,085 bps | |
| Net Interest Margin | 3.28% | 3.30% | 3.36% | 3.11% | 3.03% | -24 bps | |
| Efficiency Ratio | 121.12% | 104.20% | 102.87% | 111.63% | 107.47% | -1,365 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.69% | -0.37% | 0.05% | 3.37% | 2.94% | +663 bps | |
| Loan Growth (YoY) | 6.46% | 1.68% | 4.75% | 0.27% | -11.38% | -1,784 bps | |
| Share Growth (YoY) | -2.93% | 0.30% | 0.45% | 3.42% | 2.65% | +558 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.30% | 0.77% | 0.77% | 0.13% | 0.13% | -117 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.92% | 19.16% | 19.60% | 19.01% | 19.17% | +25 bps | |
| Net Worth / Assets | 18.92% | 19.16% | 19.60% | 19.01% | 19.17% | +25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |