Lafayette, LA · Charter 14596
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, 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.
Lafayette, LA · Charter 14596
Q2 1997
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.22% | 5.97% | -2.22% | -1.73% | -1.44% | -566 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) | n/a | n/a | -27.39% | -62.29% | -49.56% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 22.50% | -69.58% | -56.24% | n/a | |
| Share Growth (YoY) | n/a | n/a | -45.09% | -75.47% | -58.05% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 33.56% | 74.25% | 59.36% | 68.08% | 65.64% | +3,208 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 10.17% | 18.40% | 25.18% | 23.53% | 43.93% | +3,375 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 | 89.31% | 84.19% | 76.03% | 84.72% | 93.17% | +386 bps | |
| Liquid Assets / Assets | 15.06% | 20.59% | 25.58% | 0.00% | 60.98% | +4,592 bps | |