Roseland, LA · Charter 14405
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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.
Roseland, LA · Charter 14405
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.70% | 2.74% | 2.40% | 1.19% | 3.01% | +31 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -10.71% | -10.59% | -14.80% | -14.46% | 5.05% | +1,576 bps | |
| Loan Growth (YoY) | -13.38% | 5.09% | -15.29% | -1.09% | -4.92% | +846 bps | |
| Share Growth (YoY) | -21.69% | -20.47% | -21.15% | -19.14% | 6.18% | +2,788 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 3.71% | 29.59% | 16.12% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 13.21% | 10.37% | 15.24% | 14.50% | 18.08% | +486 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.21% | 91.97% | 78.11% | 78.24% | 63.76% | -745 bps | |
| Liquid Assets / Assets | 34.14% | 34.62% | 36.09% | 34.90% | 35.82% | +168 bps | |