Crowley, LA · Charter 19909
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 | 0.60% | 0.87% | -4.17% | 0.93% | -27.96% | -2,856 bps | |
| Return on Equity | 2.77% | 3.93% | -24.55% | 5.53% | n/a | n/a | |
| Net Interest Margin | 5.72% | 5.79% | 4.79% | 5.87% | 5.17% | -55 bps | |
| Efficiency Ratio | 82.85% | 71.14% | 89.09% | 84.21% | 194.35% | +11,150 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.07% | 0.65% | -8.62% | -4.78% | -16.59% | -1,766 bps | |
| Loan Growth (YoY) | -6.18% | -4.10% | -6.41% | -4.61% | -9.48% | -330 bps | |
| Share Growth (YoY) | -0.43% | -0.47% | -6.95% | -2.07% | 5.70% | +613 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 13.26% | 14.72% | 10.13% | 10.80% | 21.72% | +846 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.15% | 1.12% | 2.47% | 4.23% | 26.57% | +2,542 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.54% | 22.07% | 17.00% | 16.85% | -1.27% | -2,281 bps | |
| Net Worth / Assets | 21.54% | 22.07% | 17.00% | 16.85% | -1.27% | -2,281 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.38% | 68.29% | 63.04% | 58.79% | 56.84% | -954 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |