PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Louviers

Newark, DE · Charter 18765

NCUA · 4 branches

Q3 2025

$220.3MAssets
$57.7MLoans
$201.5MShares
$38.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.07%, down 12 bps year over year; NIM at 2.58%.
  • Asset quality: problem loans at 0.36% of loans (-17 bps YoY).
  • Capital: net worth / assets of 17.49%, up 129 bps from a year ago.
  • Funding: loans stand at 28.65% of shares as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

0.07%-12 bps YoY

Net Interest Margin (YTD, annualized)

2.58%+22 bps YoY

Efficiency Ratio (YTD, annualized)

94.57%+311 bps YoY

Net Worth / Assets

17.49%+129 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.19%0.20%-0.25%-0.07%0.07%-12 bps
Return on Equity1.19%1.15%-1.50%-0.38%0.42%-77 bps
Net Interest Margin2.37%2.52%2.44%2.55%2.58%+22 bps
Efficiency Ratio91.46%91.78%99.87%97.63%94.57%+311 bps
Growth
Asset Growth (YoY)-3.34%-9.32%-5.66%-7.96%-6.87%-353 bps
Loan Growth (YoY)8.19%3.71%0.90%-1.35%-2.82%-1,101 bps
Share Growth (YoY)-8.76%-10.58%-8.28%-10.17%-8.11%+64 bps
Asset Quality
Delinquent Loans / Loans0.53%0.64%0.64%0.52%0.36%-17 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.19%17.24%16.82%17.38%17.49%+129 bps
Net Worth / Assets16.19%17.24%16.82%17.38%17.49%+129 bps
Liquidity & Funding
Loans / Shares27.09%28.14%27.42%28.40%28.65%+156 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps