Zachary, LA · Charter 15202
NCUA · 1 branch
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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.
Zachary, LA · Charter 15202
NCUA · 1 branch
Q3 2017
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.69% | 0.34% | 0.18% | 0.18% | -0.40% | -0.24% | -3.76% | -394 bps | |
| Return on Equity | 2.97% | 8.32% | 4.10% | 2.35% | 2.21% | -4.90% | -2.99% | -75.87% | -7,822 bps | |
| Net Interest Margin | 6.19% | 5.98% | 5.99% | 5.46% | 5.96% | 5.95% | 5.74% | 5.31% | -15 bps | |
| Efficiency Ratio | 96.74% | 90.68% | 95.41% | 97.39% | 97.52% | 105.58% | 103.38% | 156.61% | +5,922 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.55% | -0.72% | 0.85% | 6.62% | 5.48% | -0.17% | 3.24% | -2.11% | -873 bps | |
| Loan Growth (YoY) | 9.51% | 11.79% | 12.58% | 16.23% | 4.67% | 8.32% | -0.74% | -5.78% | -2,200 bps | |
| Share Growth (YoY) | -8.57% | -1.24% | 0.37% | 6.87% | 5.68% | -0.17% | 3.56% | 0.71% | -616 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.03% | 0.08% | 0.50% | 0.41% | 0.29% | 0.09% | 0.33% | 0.41% | 0 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 | 0.59% | 0.58% | 0.56% | 0.55% | 0.56% | 0.39% | 0.42% | 0.29% | -26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.52% | 8.28% | 8.32% | 7.57% | 8.26% | 8.20% | 7.95% | 4.95% | -262 bps | |
| Net Worth / Assets | 8.52% | 8.28% | 8.32% | 7.57% | 8.26% | 8.20% | 7.95% | 4.95% | -262 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.79% | 82.96% | 85.83% | 81.37% | 89.92% | 90.02% | 82.26% | 76.13% | -524 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |