PackageTrendsPeer
Letter portraitLegal landscape

Blue Cross of Baton Rouge

Baton Rouge, LA · Charter 15527

Q1 2006

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2006, the quarter ended March 31, 2006, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Blue Cross of Baton Rouge

Baton Rouge, LA · Charter 15527

Q1 2006

$4.0MAssets
$1.5MLoans
$3.6MShares
$375KNet 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 -4.99%, down 471 bps year over year; NIM at 5.14%.
  • Asset quality: problem loans at 1.16% of loans (-573 bps YoY).
  • Capital: net worth / assets of 9.45%, down 156 bps from a year ago.
  • Funding: loans stand at 42.13% of shares as of Q1 2006.

Financial Results

Return on Assets (YTD, annualized)

-4.99%-471 bps YoY

Net Interest Margin (YTD, annualized)

5.14%+104 bps YoY

Efficiency Ratio (YTD, annualized)

119.50%+1,686 bps YoY

Net Worth / Assets

9.45%-156 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets-0.27%0.38%0.12%-1.34%-4.99%-471 bps
Return on Equity-2.45%3.32%1.00%-12.43%-52.75%-5,029 bps
Net Interest Margin4.10%4.23%4.66%4.78%5.14%+104 bps
Efficiency Ratio102.64%91.28%83.37%104.34%119.50%+1,686 bps
Growth
Asset Growth (YoY)-1.38%-2.30%-6.58%-1.07%-6.56%-518 bps
Loan Growth (YoY)-14.40%-11.82%-3.77%0.85%-2.04%+1,236 bps
Share Growth (YoY)-13.02%-11.28%-11.12%-0.22%-5.17%+785 bps
Asset Quality
Delinquent Loans / Loans6.89%3.46%1.10%4.83%1.16%-573 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.67%0.95%2.32%3.65%0.37%-230 bps
Capital
Risk-Based Capital11.02%11.55%11.72%10.78%9.45%-156 bps
Net Worth / Assets11.02%11.55%11.72%10.78%9.45%-156 bps
Liquidity & Funding
Loans / Shares40.78%42.63%47.74%49.52%42.13%+134 bps
Liquid Assets / Assets47.72%46.69%46.00%46.02%57.03%+932 bps