Reserve, LA · Charter 19452
NCUA · 1 branch
Q4 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2018, the quarter ended December 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.
Reserve, LA · Charter 19452
NCUA · 1 branch
Q4 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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.50% | -1.32% | -1.24% | -0.85% | -1.36% | -1.07% | -0.99% | -1.09% | -24 bps | |
| Return on Equity | -3.88% | -3.46% | -3.23% | -2.18% | -3.51% | -2.81% | -2.65% | -2.78% | -60 bps | |
| Net Interest Margin | 1.51% | 1.41% | 1.58% | 1.89% | 1.62% | 1.53% | 1.82% | 2.08% | +20 bps | |
| Efficiency Ratio | 173.11% | 165.89% | 158.17% | 132.87% | 178.92% | 165.31% | 150.38% | 136.56% | +369 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.58% | -6.14% | -8.61% | -3.39% | -2.73% | -1.58% | 1.86% | -3.62% | -23 bps | |
| Loan Growth (YoY) | 0.73% | 3.81% | -4.08% | -5.87% | -10.84% | -24.60% | -27.22% | -35.35% | -2,948 bps | |
| Share Growth (YoY) | -5.41% | -8.15% | -12.18% | -4.18% | -3.08% | -1.46% | 4.25% | -4.16% | +2 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.87% | 0.77% | 0.73% | 5.95% | 6.73% | 8.62% | 10.95% | 6.82% | +88 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 | 0.89% | 1.25% | 1.46% | 1.45% | 1.66% | 1.97% | 0.78% | 3.27% | +183 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 38.60% | 38.26% | 38.53% | 38.87% | 38.87% | 38.16% | 37.18% | 39.24% | +37 bps | |
| Net Worth / Assets | 38.60% | 38.26% | 38.53% | 38.87% | 38.87% | 38.16% | 37.18% | 39.24% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.02% | 28.52% | 27.81% | 28.30% | 24.86% | 21.83% | 19.41% | 19.09% | -921 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |