Houma, LA · Charter 21670
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Houma, LA · Charter 21670
Q4 2000
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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.05% | 3.11% | -0.28% | -2.61% | -0.51% | -457 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -2.28% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 8.52% | 7.89% | 8.57% | n/a | |
| Efficiency Ratio | n/a | n/a | 89.59% | 84.94% | 81.63% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -15.34% | -7.19% | -10.20% | -18.53% | -14.24% | +109 bps | |
| Loan Growth (YoY) | 4.17% | -23.23% | -21.54% | -23.55% | -28.14% | -3,231 bps | |
| Share Growth (YoY) | -20.06% | -9.44% | -12.99% | -21.28% | -16.90% | +316 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.12% | 7.87% | 8.28% | 11.64% | 11.66% | +654 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.52% | 0.52% | 1.88% | 4.81% | 5.56% | +405 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 22.44% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 22.44% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 111.72% | 85.31% | 98.28% | 94.71% | 96.60% | -1,512 bps | |
| Liquid Assets / Assets | 7.60% | 28.19% | 0.00% | 23.14% | 26.31% | +1,871 bps | |