Alexandria, LA · Charter 21204
NCUA · 1 branch
Q1 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.54% | -0.71% | -0.77% | -0.93% | -1.15% | -61 bps | |
| Return on Equity | -3.81% | -5.01% | -5.66% | -6.89% | -8.60% | -480 bps | |
| Net Interest Margin | 4.66% | 4.74% | 4.61% | 4.61% | 4.37% | -29 bps | |
| Efficiency Ratio | 108.92% | 111.92% | 113.43% | 116.28% | 121.19% | +1,227 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.32% | 1.81% | 7.64% | 4.13% | -2.52% | -884 bps | |
| Loan Growth (YoY) | 6.20% | 11.84% | 5.05% | 0.22% | -12.41% | -1,862 bps | |
| Share Growth (YoY) | 9.49% | 3.56% | 11.40% | 5.44% | -1.74% | -1,123 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.03% | 0.93% | 1.20% | 1.20% | 1.01% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.07% | 14.23% | 13.62% | 13.51% | 13.35% | -73 bps | |
| Net Worth / Assets | 14.07% | 14.23% | 13.62% | 13.51% | 13.35% | -73 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |