Bridge City, LA · Charter 14421
NCUA · 2 branches
Q3 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2024, the quarter ended September 30, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,754 to 1,761). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
98
Asset Quality
20
Profitability
57
Liquidity
7
Efficiency
69
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Bridge City, LA · Charter 14421
NCUA · 2 branches
Q3 2024
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 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.86% | 1.11% | 1.27% | 1.23% | 1.88% | 1.71% | 1.05% | -21 bps | |
| Return on Equity | 1.73% | 2.94% | 3.72% | 4.16% | 4.00% | 6.13% | 5.47% | 3.31% | -85 bps | |
| Net Interest Margin | 3.09% | 3.43% | 3.97% | 4.11% | 4.10% | 4.92% | 5.04% | 4.17% | +6 bps | |
| Efficiency Ratio | 81.60% | 75.12% | 71.72% | 68.54% | 69.37% | 60.77% | 62.26% | 71.34% | +280 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.08% | -5.00% | -4.69% | -6.03% | -5.10% | -0.08% | -0.29% | -1.01% | +501 bps | |
| Loan Growth (YoY) | -4.92% | -3.86% | -6.47% | -2.38% | 4.53% | 11.77% | 15.45% | 9.65% | +1,202 bps | |
| Share Growth (YoY) | -0.87% | -7.64% | -9.13% | -9.91% | -8.54% | -2.32% | -2.88% | -2.99% | +692 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.62% | 4.66% | 2.80% | 3.93% | 1.95% | 2.15% | 3.11% | 1.50% | -244 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 | 8.62% | 8.78% | 9.14% | 9.09% | 7.81% | 5.94% | 6.18% | 6.48% | -260 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.88% | 29.20% | 29.69% | 30.48% | 30.61% | 30.69% | 31.30% | 31.86% | +138 bps | |
| Net Worth / Assets | 27.88% | 29.20% | 29.69% | 30.48% | 30.61% | 30.69% | 31.30% | 31.86% | +138 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.34% | 38.73% | 37.53% | 38.39% | 42.68% | 44.31% | 44.61% | 43.39% | +500 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bridge City, LA · Charter 14421 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 2 branches
Q3 2024
Return on Assets
1.05%
Rank 555 of 1,761
Net Interest Margin
4.15%
Rank 509 of 1,761
Efficiency Ratio
71.74%
Rank 550 of 1,754
Equity / Assets
31.87%
Rank 40 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.05% | 0.26% | 0.70% | 1.22% | Beats 68% | 555 / 1,761 | ||
| Return on Equity | 3.29% | 2.09% | 5.52% | 9.08% | Beats 33% | 1,172 / 1,761 | ||
| Net Interest Margin | 4.15% | 3.03% | 3.59% | 4.25% | Beats 71% | 509 / 1,761 | ||
| Efficiency Ratio | 71.74% | 68.95% | 77.94% | 87.14% | Beats 69% | 550 / 1,754 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.51% | 0.26% | 0.65% | 1.27% | Beats 20% | 1,406 / 1,757 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 31.86% | 10.05% | 12.42% | 15.87% | Beats 98% | 40 / 1,761 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 31.87% | 10.05% | 12.42% | 15.87% | Beats 98% | 40 / 1,761 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 43.39% | 56.21% | 73.13% | 85.64% | 11th pctl | 1,557 / 1,759 | ||
| Loans / Assets | 29.39% | 47.85% | 62.48% | 73.19% | 6th pctl | 1,654 / 1,761 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||