PackageTrendsPeer
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St. Pauls Lafayette

Lafayette, LA · Charter 14596

Q2 1997

$54KAssets
$31KLoans
$34KShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.44%, down 566 bps year over year.
  • Asset quality: problem loans at 65.64% of loans (+3,208 bps YoY).
  • Funding: loans stand at 93.17% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

-1.44%-566 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets4.22%5.97%-2.22%-1.73%-1.44%-566 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/a-27.39%-62.29%-49.56%n/a
Loan Growth (YoY)n/an/a22.50%-69.58%-56.24%n/a
Share Growth (YoY)n/an/a-45.09%-75.47%-58.05%n/a
Asset Quality
Delinquent Loans / Loans33.56%74.25%59.36%68.08%65.64%+3,208 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans10.17%18.40%25.18%23.53%43.93%+3,375 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares89.31%84.19%76.03%84.72%93.17%+386 bps
Liquid Assets / Assets15.06%20.59%25.58%0.00%60.98%+4,592 bps