New Iberia, LA · Charter 15665
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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.
New Iberia, LA · Charter 15665
Q4 1998
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.90% | 2.93% | 3.74% | 2.81% | 3.34% | +44 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) | 4.15% | 3.40% | 4.90% | 9.58% | 12.98% | +883 bps | |
| Loan Growth (YoY) | 25.68% | 35.18% | 20.43% | -1.68% | -25.20% | -5,089 bps | |
| Share Growth (YoY) | 2.81% | 1.50% | 5.11% | 10.13% | 15.88% | +1,307 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.61% | 0.09% | 0.00% | 0.41% | 0.45% | -216 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.91% | 2.06% | 2.22% | 2.57% | 3.40% | +149 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 | 129.19% | 134.58% | 134.91% | 118.96% | 83.39% | -4,580 bps | |
| Liquid Assets / Assets | 2.32% | 2.39% | 1.12% | 8.14% | 22.69% | +2,037 bps | |