PackageTrendsPeer
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Shell Geismar

Geismar, LA · Charter 19385

NCUA · 2 branches

Q1 2018

$27.4MAssets
$18.2MLoans
$24.1MShares
$3.3MNet 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 0.50%, up 34 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 1.67% of loans (+130 bps YoY).
  • Capital: net worth / assets of 11.94%, up 95 bps from a year ago.
  • Funding: loans stand at 75.81% of shares as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

0.50%+34 bps YoY

Net Interest Margin (YTD, annualized)

3.57%+42 bps YoY

Efficiency Ratio (YTD, annualized)

89.29%+308 bps YoY

Net Worth / Assets

11.94%+95 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets0.16%-0.31%-0.38%-0.41%0.50%+34 bps
Return on Equity1.49%-2.75%-3.29%-3.41%4.23%+273 bps
Net Interest Margin3.16%3.27%3.47%3.68%3.57%+42 bps
Efficiency Ratio86.21%89.42%90.12%91.92%89.29%+308 bps
Growth
Asset Growth (YoY)3.06%5.40%-1.56%-10.09%-10.38%-1,343 bps
Loan Growth (YoY)11.40%9.12%5.57%5.33%4.82%-659 bps
Share Growth (YoY)3.60%6.66%-1.26%-11.27%-11.25%-1,485 bps
Asset Quality
Delinquent Loans / Loans0.37%0.85%0.39%0.90%1.67%+130 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.06%0.53%0.65%0.74%0.69%+63 bps
Capital
Risk-Based Capital10.99%11.10%11.60%12.14%11.94%+95 bps
Net Worth / Assets10.99%11.10%11.60%12.14%11.94%+95 bps
Liquidity & Funding
Loans / Shares64.19%67.67%72.35%78.10%75.81%+1,162 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps