Luling, LA · Charter 16139
Q3 2005
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.49% | 0.32% | 0.55% | 0.44% | -5 bps | |
| Return on Equity | 5.45% | 5.20% | 3.35% | 5.72% | 4.93% | -52 bps | |
| Net Interest Margin | 3.92% | 4.14% | 4.14% | 4.08% | 3.75% | -17 bps | |
| Efficiency Ratio | 91.74% | 90.95% | 85.99% | 86.40% | 88.49% | -325 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.13% | -2.87% | -7.39% | -6.63% | 5.95% | +708 bps | |
| Loan Growth (YoY) | -0.97% | -4.58% | -2.70% | 1.31% | 0.39% | +136 bps | |
| Share Growth (YoY) | -1.80% | -3.92% | -8.49% | -7.90% | 6.02% | +782 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.60% | 3.79% | 1.64% | 1.95% | 1.71% | -89 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.02% | 1.17% | 0.77% | 0.65% | 0.69% | -33 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.96% | 9.40% | 9.44% | 9.60% | 8.88% | -8 bps | |
| Net Worth / Assets | 8.96% | 9.40% | 9.44% | 9.60% | 8.88% | -8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.51% | 62.21% | 59.62% | 61.63% | 59.18% | -332 bps | |
| Liquid Assets / Assets | 32.57% | 32.83% | 34.23% | 33.57% | 37.28% | +471 bps | |