Marrero, LA · Charter 14981
Q3 2003
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.56% | -10.02% | -4.29% | -4.21% | -4.03% | -247 bps | |
| Return on Equity | -6.80% | -60.14% | -25.56% | -24.92% | -24.75% | -1,795 bps | |
| Net Interest Margin | 4.89% | 5.40% | 2.87% | 4.04% | 4.05% | -84 bps | |
| Efficiency Ratio | 121.29% | 123.21% | 248% | 204% | 198.92% | +7,763 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.43% | -14.95% | -14.56% | -21.33% | -21.99% | -1,156 bps | |
| Loan Growth (YoY) | -13.19% | -51.00% | -60.25% | -43.84% | -48.01% | -3,482 bps | |
| Share Growth (YoY) | -11.98% | -8.09% | -5.92% | -15.11% | -15.24% | -326 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 14.67% | 2.20% | 0.00% | 4.21% | 0.26% | -1,441 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.04% | 5.04% | 7.95% | 5.95% | 7.90% | +486 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.96% | 16.66% | 16.77% | 16.91% | 16.29% | -667 bps | |
| Net Worth / Assets | 22.96% | 16.66% | 16.77% | 16.91% | 16.29% | -667 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.07% | 57.16% | 36.52% | 67.94% | 51.57% | -3,251 bps | |
| Liquid Assets / Assets | 34.92% | 52.61% | 68.33% | 43.25% | 58.57% | +2,364 bps | |