Alexandria, LA · Charter 21204
NCUA · 1 branch
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in LA (n=59 to 60). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
40
Asset Quality
48
Profitability
26
Liquidity
62
Efficiency
5
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Alexandria, LA · Charter 21204
NCUA · 1 branch
Q1 2025
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 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.02% | -0.96% | -0.99% | -0.54% | -0.71% | -0.77% | -0.93% | -1.15% | -61 bps | |
| Return on Equity | -6.68% | -6.14% | -6.61% | -3.81% | -5.01% | -5.66% | -6.89% | -8.60% | -480 bps | |
| Net Interest Margin | 4.99% | 5.04% | 4.87% | 4.66% | 4.74% | 4.61% | 4.61% | 4.37% | -29 bps | |
| Efficiency Ratio | 108.48% | 109.75% | 112.13% | 108.92% | 111.92% | 113.43% | 116.28% | 121.19% | +1,227 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.99% | -6.47% | -2.81% | 6.32% | 1.81% | 7.64% | 4.13% | -2.52% | -884 bps | |
| Loan Growth (YoY) | -9.92% | -2.97% | -0.24% | 6.20% | 11.84% | 5.05% | 0.22% | -12.41% | -1,862 bps | |
| Share Growth (YoY) | -2.02% | -6.72% | -1.40% | 9.49% | 3.56% | 11.40% | 5.44% | -1.74% | -1,123 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.19% | 2.18% | 2.75% | 0.51% | 0.57% | 1.91% | 2.45% | 1.32% | +81 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 | 1.52% | 1.28% | 1.19% | 1.03% | 0.93% | 1.20% | 1.20% | 1.01% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.33% | 15.58% | 15.03% | 14.07% | 14.23% | 13.62% | 13.51% | 13.35% | -73 bps | |
| Net Worth / Assets | 15.33% | 15.58% | 15.03% | 14.07% | 14.23% | 13.62% | 13.51% | 13.35% | -73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.83% | 96.19% | 92.18% | 91.83% | 95.92% | 90.70% | 87.61% | 81.86% | -997 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Alexandria, LA · Charter 21204 · Peer group: credit unions under $1B in assets in LA (n=59-60)
NCUA · 1 branch
Q1 2025
Return on Assets
-1.14%
Rank 58 of 60
Net Interest Margin
4.38%
Rank 19 of 60
Efficiency Ratio
120.90%
Rank 57 of 59
Equity / Assets
13.35%
Rank 36 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.14% | 0.05% | 0.61% | 1.34% | Beats 3% | 58 / 60 | ||
| Return on Equity | -8.51% | 0.13% | 4.03% | 8.01% | Beats 7% | 56 / 60 | ||
| Net Interest Margin | 4.38% | 3.25% | 3.88% | 4.56% | Beats 68% | 19 / 60 | ||
| Efficiency Ratio | 120.90% | 70.67% | 82.22% | 91.84% | Beats 5% | 57 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.32% | 0.45% | 1.29% | 2.02% | Beats 48% | 32 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.35% | 11.20% | 15.12% | 22.47% | Beats 40% | 36 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.35% | 11.21% | 15.12% | 22.48% | Beats 40% | 36 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.86% | 59.38% | 72.32% | 82.21% | 73rd pctl | 16 / 60 | ||
| Loans / Assets | 70.76% | 45.93% | 59.52% | 70.42% | 77th pctl | 14 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||