Clinton, LA · Charter 18427
NCUA · 1 branch
Q2 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.26% | -5.26% | -8.77% | -6.41% | -5.18% | -4.33% | -2.70% | -1.47% | +494 bps | |
| Return on Equity | -40.16% | -44.97% | -92.48% | -72.88% | -62.34% | -54.03% | -37.27% | -20.45% | +5,243 bps | |
| Net Interest Margin | 9.06% | 8.57% | 7.17% | 8.52% | 8.48% | 8.45% | 7.10% | 6.99% | -153 bps | |
| Efficiency Ratio | 132.90% | 138.95% | 147.53% | 137.09% | 133.11% | 128.28% | 133.19% | 117.80% | -1,929 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.60% | -4.65% | -3.54% | -0.71% | -3.62% | -5.09% | -4.47% | -1.89% | -118 bps | |
| Loan Growth (YoY) | -17.01% | -11.55% | -11.99% | -8.38% | -15.30% | -3.38% | -12.51% | -21.02% | -1,264 bps | |
| Share Growth (YoY) | -3.12% | 0.64% | -0.44% | 3.32% | 2.31% | -0.93% | -1.95% | 0.28% | -304 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.33% | 8.23% | 11.33% | 5.38% | 5.17% | 3.42% | 3.51% | 1.43% | -395 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 | 13.39% | 8.41% | 10.28% | 6.17% | 6.77% | 6.27% | 5.16% | 2.31% | -386 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.09% | 11.71% | 9.48% | 8.80% | 8.31% | 8.01% | 7.26% | 7.20% | -159 bps | |
| Net Worth / Assets | 13.09% | 11.71% | 9.48% | 8.80% | 8.31% | 8.01% | 7.26% | 7.20% | -159 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.28% | 79.80% | 77.82% | 80.20% | 71.42% | 77.83% | 69.43% | 63.16% | -1,704 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |