New Orleans, LA · Charter 21320
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
New Orleans, LA · Charter 21320
Q2 2006
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.67% | 1.98% | 3.20% | 1.46% | 2.16% | +49 bps | |
| Return on Equity | 4.27% | 5.09% | 8.01% | 3.50% | 4.83% | +56 bps | |
| Net Interest Margin | 8.48% | 7.77% | 8.35% | 6.86% | 6.76% | -172 bps | |
| Efficiency Ratio | 79.59% | 74.28% | 71.17% | 78.76% | 68.43% | -1,117 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.03% | 7.22% | 8.80% | 0.92% | -4.78% | -1,081 bps | |
| Loan Growth (YoY) | -4.27% | -1.99% | -15.33% | -21.90% | -19.09% | -1,482 bps | |
| Share Growth (YoY) | 9.33% | 9.15% | 8.85% | -3.83% | -13.62% | -2,295 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.67% | 1.54% | 0.85% | 4.26% | 9.55% | +788 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.87% | 3.64% | 3.90% | 4.35% | 4.78% | +91 bps | |
| Capital | |||||||
| Risk-Based Capital | 39.04% | 38.94% | 39.90% | 41.70% | 44.69% | +566 bps | |
| Net Worth / Assets | 39.04% | 38.94% | 39.90% | 41.70% | 44.69% | +566 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.80% | 74.59% | 69.43% | 66.39% | 67.25% | -455 bps | |
| Liquid Assets / Assets | 56.55% | 53.82% | 34.09% | 61.52% | 0.00% | -5,655 bps | |