Bridge City, LA · Charter 14421
NCUA · 2 branches
Q3 2024
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.27% | 1.23% | 1.88% | 1.71% | 1.05% | -21 bps | |
| Return on Equity | 4.16% | 4.00% | 6.13% | 5.47% | 3.31% | -85 bps | |
| Net Interest Margin | 4.11% | 4.10% | 4.92% | 5.04% | 4.17% | +6 bps | |
| Efficiency Ratio | 68.54% | 69.37% | 60.77% | 62.26% | 71.34% | +280 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.03% | -5.10% | -0.08% | -0.29% | -1.01% | +501 bps | |
| Loan Growth (YoY) | -2.38% | 4.53% | 11.77% | 15.45% | 9.65% | +1,202 bps | |
| Share Growth (YoY) | -9.91% | -8.54% | -2.32% | -2.88% | -2.99% | +692 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 9.09% | 7.81% | 5.94% | 6.18% | 6.48% | -260 bps | |
| Capital | |||||||
| Risk-Based Capital | 30.48% | 30.61% | 30.69% | 31.30% | 31.86% | +138 bps | |
| Net Worth / Assets | 30.48% | 30.61% | 30.69% | 31.30% | 31.86% | +138 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |