Zachary, LA · Charter 18219
NCUA · 1 branch
Q3 2018
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.28% | 0.64% | -0.11% | -10.60% | -12.12% | -1,340 bps | |
| Return on Equity | 3.60% | 1.80% | -0.32% | -34.19% | -41.31% | -4,491 bps | |
| Net Interest Margin | 5.13% | 4.55% | 5.70% | 5.49% | 5.97% | +84 bps | |
| Efficiency Ratio | 74.87% | 86.13% | 101.88% | 76.82% | 160.59% | +8,573 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.01% | -1.09% | -1.20% | -5.09% | -8.33% | -532 bps | |
| Loan Growth (YoY) | 0.64% | 6.94% | 17.85% | -12.97% | -25.94% | -2,658 bps | |
| Share Growth (YoY) | -5.93% | -3.15% | -2.89% | -0.98% | 2.14% | +807 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 6.08% | 5.34% | 5.35% | 10.21% | 10.40% | +432 bps | |
| Capital | |||||||
| Risk-Based Capital | 35.55% | 35.40% | 34.85% | 31.01% | 29.34% | -621 bps | |
| Net Worth / Assets | 35.55% | 35.40% | 34.85% | 31.01% | 29.34% | -621 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |