Laplace, LA · Charter 174
NCUA · 6 branches
Q1 2024
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 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.34% | 1.42% | 1.81% | 0.72% | 0.93% | 0.67% | 0.54% | -0.06% | -78 bps | |
| Return on Equity | 12.84% | 12.31% | 14.19% | 5.58% | 6.98% | 4.87% | 3.90% | -0.44% | -602 bps | |
| Net Interest Margin | 3.16% | 3.53% | 3.81% | 4.25% | 4.32% | 4.45% | 4.53% | 4.44% | +19 bps | |
| Efficiency Ratio | 70.01% | 67.79% | 62.25% | 71.76% | 70.16% | 72.02% | 72.67% | 80.35% | +859 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.22% | 3.08% | -11.47% | -14.75% | -11.79% | -7.78% | -5.34% | -2.89% | +1,187 bps | |
| Loan Growth (YoY) | 12.40% | 11.75% | 11.90% | 6.99% | 8.47% | 1.62% | 5.34% | 4.72% | -227 bps | |
| Share Growth (YoY) | 18.50% | 2.20% | -13.89% | -16.74% | -13.83% | -9.30% | -6.95% | -3.27% | +1,348 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.19% | 1.19% | 1.39% | 1.36% | 1.26% | 1.46% | 2.08% | 2.01% | +65 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 | 0.52% | 0.67% | 0.89% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.42% | 11.54% | 12.74% | 12.87% | 13.35% | 13.74% | 13.79% | 13.37% | +50 bps | |
| Net Worth / Assets | 10.42% | 11.54% | 12.74% | 12.87% | 13.35% | 13.74% | 13.79% | 13.37% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.49% | 80.57% | 84.14% | 82.99% | 87.47% | 90.27% | 95.25% | 89.84% | +685 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |