Baton Rouge, LA · Charter 19592
Q3 2010
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.55% | -0.86% | -2.01% | -29.09% | -8.59% | -804 bps | |
| Return on Equity | -3.23% | -5.10% | -12.84% | -275% | -72.26% | -6,902 bps | |
| Net Interest Margin | 1.63% | 1.49% | 1.45% | 1.42% | 1.09% | -54 bps | |
| Efficiency Ratio | 133.09% | 156.74% | 227% | 211% | 349% | +21,582 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.12% | -2.26% | -1.36% | -6.38% | -11.41% | -1,029 bps | |
| Loan Growth (YoY) | -18.05% | -14.81% | 4.87% | -65.28% | -79.49% | -6,144 bps | |
| Share Growth (YoY) | 1.91% | 0.36% | 0.97% | -0.10% | -6.18% | -808 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 51.00% | 63.39% | 60.91% | 0.00% | 51.53% | +53 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 29.81% | 30.92% | 29.71% | 100.00% | 64.29% | +3,448 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.04% | 16.86% | 15.70% | 10.56% | 11.89% | -516 bps | |
| Net Worth / Assets | 17.04% | 16.86% | 15.70% | 10.56% | 11.89% | -516 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 15.43% | 15.01% | 15.57% | 5.21% | 3.37% | -1,206 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |