New Orleans, LA · Charter 16021
Q4 2006
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.77% | 2.81% | -35.29% | -25.70% | -38.06% | -3,428 bps | |
| Return on Equity | -20.42% | 12.65% | -318% | -201% | -3083% | -306,238 bps | |
| Net Interest Margin | 9.74% | 6.87% | 7.72% | 8.80% | 10.51% | +77 bps | |
| Efficiency Ratio | 69.52% | 64.83% | 73.54% | 76.85% | 86.97% | +1,746 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -29.05% | -39.62% | -50.55% | -50.78% | -52.99% | -2,394 bps | |
| Loan Growth (YoY) | -2.70% | -13.48% | -37.76% | -42.24% | -52.57% | -4,987 bps | |
| Share Growth (YoY) | -36.59% | -47.94% | -51.13% | -49.97% | -40.14% | -355 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 26.42% | 55.85% | 61.98% | 72.72% | 43.41% | +1,699 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 10.04% | 11.50% | 15.83% | 17.54% | 18.33% | +830 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.47% | 22.20% | 11.10% | 12.80% | 1.23% | -1,724 bps | |
| Net Worth / Assets | 18.47% | 22.20% | 11.10% | 12.80% | 1.23% | -1,724 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 116.25% | 121.76% | 111.24% | 112.38% | 92.11% | -2,414 bps | |
| Liquid Assets / Assets | 12.83% | 14.00% | 0.00% | 0.00% | 0.00% | -1,283 bps | |