Coushatta, LA · Charter 22218
NCUA · 1 branch
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, 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.
Coushatta, LA · Charter 22218
NCUA · 1 branch
Q3 2019
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 1.22% | 1.07% | 1.32% | 0.80% | 1.28% | 0.92% | 0.96% | -36 bps | |
| Return on Equity | 1.29% | 6.35% | 5.56% | 6.80% | 4.13% | 6.59% | 4.72% | 4.97% | -183 bps | |
| Net Interest Margin | 3.19% | 3.33% | 3.23% | 3.27% | 3.28% | 3.26% | 3.41% | 3.41% | +14 bps | |
| Efficiency Ratio | 65.60% | 64.88% | 66.21% | 60.94% | 65.35% | 62.55% | 71.16% | 65.51% | +456 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.08% | 2.40% | 3.08% | 4.01% | 3.93% | 3.90% | 2.60% | 3.24% | -77 bps | |
| Loan Growth (YoY) | -2.11% | -4.11% | -0.52% | 0.22% | 3.23% | 3.43% | 1.24% | 1.94% | +172 bps | |
| Share Growth (YoY) | -0.20% | 2.70% | 3.63% | 4.60% | 3.84% | 3.79% | 2.23% | 3.35% | -125 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.35% | 10.50% | 9.29% | 6.44% | 8.96% | 7.53% | 8.15% | 8.04% | +160 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 | 1.54% | 1.56% | 1.54% | 1.58% | 1.15% | 1.17% | 1.17% | 1.33% | -25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.30% | 19.30% | 19.25% | 19.48% | 19.36% | 19.39% | 19.48% | 19.40% | -8 bps | |
| Net Worth / Assets | 19.30% | 19.30% | 19.25% | 19.48% | 19.36% | 19.39% | 19.48% | 19.40% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.76% | 70.63% | 72.40% | 71.46% | 72.33% | 70.39% | 71.70% | 70.49% | -97 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |