Zachary, LA · Charter 18219
NCUA · 1 branch
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Zachary, LA · Charter 18219
NCUA · 1 branch
Q3 2018
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 1.40% | 0.64% | 1.28% | 0.64% | -0.11% | -10.60% | -12.12% | -1,340 bps | |
| Return on Equity | 1.60% | 4.09% | 1.88% | 3.60% | 1.80% | -0.32% | -34.19% | -41.31% | -4,491 bps | |
| Net Interest Margin | 4.84% | 4.85% | 4.68% | 5.13% | 4.55% | 5.70% | 5.49% | 5.97% | +84 bps | |
| Efficiency Ratio | 89.11% | 71.70% | 85.77% | 74.87% | 86.13% | 101.88% | 76.82% | 160.59% | +8,573 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.32% | -2.13% | -2.55% | -3.01% | -1.09% | -1.20% | -5.09% | -8.33% | -532 bps | |
| Loan Growth (YoY) | -20.98% | -20.28% | -7.77% | 0.64% | 6.94% | 17.85% | -12.97% | -25.94% | -2,658 bps | |
| Share Growth (YoY) | -5.09% | -4.50% | -4.75% | -5.93% | -3.15% | -2.89% | -0.98% | 2.14% | +807 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.46% | 25.05% | 26.81% | 25.66% | 27.41% | 44.05% | 1.87% | 17.10% | -856 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 | 9.46% | 10.46% | 8.00% | 6.08% | 5.34% | 5.35% | 10.21% | 10.40% | +432 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 34.38% | 34.19% | 34.16% | 35.55% | 35.40% | 34.85% | 31.01% | 29.34% | -621 bps | |
| Net Worth / Assets | 34.38% | 34.19% | 34.16% | 35.55% | 35.40% | 34.85% | 31.01% | 29.34% | -621 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.24% | 53.46% | 58.52% | 58.18% | 66.51% | 64.89% | 51.44% | 42.18% | -1,599 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |