New Orleans, LA · Charter 21481
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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 21481
Q1 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.25% | 0.84% | 0.58% | 0.56% | 0.87% | -38 bps | |
| Return on Equity | 16.70% | 11.04% | 7.60% | 7.38% | 11.61% | -508 bps | |
| Net Interest Margin | 4.91% | 4.32% | 4.12% | 3.87% | 4.26% | -65 bps | |
| Efficiency Ratio | 64.96% | 72.38% | 77.59% | 79.10% | 74.51% | +955 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.63% | 9.18% | 5.64% | 9.98% | 6.05% | -558 bps | |
| Loan Growth (YoY) | 6.67% | 7.93% | 9.87% | 3.05% | 1.97% | -471 bps | |
| Share Growth (YoY) | 11.55% | 9.02% | 5.44% | 10.12% | 5.99% | -556 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.42% | 1.90% | 2.55% | 2.50% | 2.89% | +147 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.47% | 0.66% | 0.94% | 0.49% | 0.92% | +44 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.46% | 7.65% | 7.63% | 7.55% | 7.49% | +4 bps | |
| Net Worth / Assets | 7.46% | 7.65% | 7.63% | 7.55% | 7.49% | +4 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.55% | 59.83% | 60.10% | 63.95% | 57.29% | -226 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |