Marksville, LA · Charter 17697
NCUA · 2 branches
Q4 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.43% | -0.22% | -1.42% | -1.05% | -2.86% | -2.36% | -1.38% | -2.52% | -147 bps | |
| Return on Equity | -1.95% | -0.97% | -6.18% | -4.39% | -12.26% | -9.60% | -5.49% | -10.19% | -580 bps | |
| Net Interest Margin | 0.83% | 0.46% | 3.12% | 3.50% | 3.67% | 4.35% | 4.57% | 4.68% | +118 bps | |
| Efficiency Ratio | 145.13% | 134.71% | 140.28% | 126.15% | 197.57% | 125.50% | 126.82% | 136.94% | +1,079 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.65% | -4.43% | -11.20% | -13.39% | -11.92% | -20.43% | -19.20% | -16.79% | -340 bps | |
| Loan Growth (YoY) | -3.93% | 13.35% | 7.23% | 13.85% | 27.26% | 28.08% | 29.32% | 24.18% | +1,032 bps | |
| Share Growth (YoY) | -3.36% | -6.51% | -11.06% | -16.02% | -11.64% | -22.34% | -25.57% | -19.20% | -318 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.71% | 3.44% | 3.26% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 3.74% | 3.33% | 3.38% | 2.47% | 3.09% | 2.89% | 2.53% | 1.64% | -83 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.29% | 22.13% | 23.01% | 23.87% | 23.30% | 24.64% | 25.05% | 24.73% | +85 bps | |
| Net Worth / Assets | 22.29% | 22.13% | 23.01% | 23.87% | 23.30% | 24.64% | 25.05% | 24.73% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.88% | 48.67% | 50.06% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |