Marksville, LA · Charter 17697
NCUA · 2 branches
Q4 2023
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 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.05% | -2.86% | -2.36% | -1.38% | -2.52% | -147 bps | |
| Return on Equity | -4.39% | -12.26% | -9.60% | -5.49% | -10.19% | -580 bps | |
| Net Interest Margin | 3.50% | 3.67% | 4.35% | 4.57% | 4.68% | +118 bps | |
| Efficiency Ratio | 126.15% | 197.57% | 125.50% | 126.82% | 136.94% | +1,079 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.39% | -11.92% | -20.43% | -19.20% | -16.79% | -340 bps | |
| Loan Growth (YoY) | 13.85% | 27.26% | 28.08% | 29.32% | 24.18% | +1,032 bps | |
| Share Growth (YoY) | -16.02% | -11.64% | -22.34% | -25.57% | -19.20% | -318 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.71% | 3.43% | 2.27% | 2.49% | 2.39% | -132 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.47% | 3.09% | 2.89% | 2.53% | 1.64% | -83 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.87% | 23.30% | 24.64% | 25.05% | 24.73% | +85 bps | |
| Net Worth / Assets | 23.87% | 23.30% | 24.64% | 25.05% | 24.73% | +85 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.92% | 61.75% | 80.27% | 86.97% | 84.41% | +2,949 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |