Geismar, LA · Charter 19385
NCUA · 2 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 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.
Geismar, LA · Charter 19385
NCUA · 2 branches
Q1 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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | 0.18% | -0.02% | 0.16% | -0.31% | -0.38% | -0.41% | 0.50% | +34 bps | |
| Return on Equity | 1.62% | 1.53% | -0.21% | 1.49% | -2.75% | -3.29% | -3.41% | 4.23% | +273 bps | |
| Net Interest Margin | 3.04% | 3.13% | 3.08% | 3.16% | 3.27% | 3.47% | 3.68% | 3.57% | +42 bps | |
| Efficiency Ratio | 95.15% | 95.54% | 100.60% | 86.21% | 89.42% | 90.12% | 91.92% | 89.29% | +308 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.08% | -1.37% | 3.74% | 3.06% | 5.40% | -1.56% | -10.09% | -10.38% | -1,343 bps | |
| Loan Growth (YoY) | 22.62% | 17.73% | 12.64% | 11.40% | 9.12% | 5.57% | 5.33% | 4.82% | -659 bps | |
| Share Growth (YoY) | -3.62% | -1.78% | 4.50% | 3.60% | 6.66% | -1.26% | -11.27% | -11.25% | -1,485 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.00% | 0.83% | 0.96% | 0.37% | 0.85% | 0.39% | 0.90% | 1.67% | +130 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 | 0.63% | 0.52% | 0.30% | 0.06% | 0.53% | 0.65% | 0.74% | 0.69% | +63 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.99% | 11.86% | 11.29% | 10.99% | 11.10% | 11.60% | 12.14% | 11.94% | +95 bps | |
| Net Worth / Assets | 11.99% | 11.86% | 11.29% | 10.99% | 11.10% | 11.60% | 12.14% | 11.94% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.15% | 67.67% | 65.79% | 64.19% | 67.67% | 72.35% | 78.10% | 75.81% | +1,162 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |