Lydia, LA · Charter 17334
NCUA · 1 branch
Q2 2021
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 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.30% | -0.44% | 0.13% | 0.67% | 0.49% | 0.08% | 0.26% | +13 bps | |
| Return on Equity | 2.90% | 2.44% | -3.54% | 1.06% | 5.48% | 3.95% | 0.66% | 2.08% | +102 bps | |
| Net Interest Margin | 2.79% | 2.85% | 2.78% | 2.62% | 2.46% | 2.49% | 1.87% | 1.85% | -76 bps | |
| Efficiency Ratio | 88.56% | 89.69% | 114.27% | 95.44% | 78.45% | 83.60% | 96.15% | 89.71% | -573 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.55% | -0.69% | -1.87% | 0.58% | 3.64% | 3.36% | 7.15% | 2.51% | +193 bps | |
| Loan Growth (YoY) | 8.86% | 6.77% | 6.51% | 6.01% | 1.96% | 3.26% | -0.81% | -14.15% | -2,016 bps | |
| Share Growth (YoY) | -6.80% | -1.05% | -2.40% | 0.48% | 3.48% | 3.04% | 7.49% | 2.07% | +159 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.03% | 0.65% | 0.59% | 0.58% | 0.51% | 0.13% | 0.26% | -32 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 | 0.10% | 0.14% | 0.15% | 0.14% | 0.19% | 0.20% | 0.22% | 0.10% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.12% | 12.39% | 12.34% | 12.17% | 12.23% | 12.47% | 12.11% | 12.43% | +25 bps | |
| Net Worth / Assets | 12.12% | 12.39% | 12.34% | 12.17% | 12.23% | 12.47% | 12.11% | 12.43% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.38% | 51.94% | 51.08% | 52.61% | 50.63% | 52.05% | 47.14% | 44.25% | -836 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |