Paulina, LA · Charter 23400
Q3 2010
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.34% | -2.64% | -2.45% | -7.82% | -2.13% | +221 bps | |
| Return on Equity | -77.37% | -46.14% | -43.14% | -219% | -53.43% | +2,394 bps | |
| Net Interest Margin | 7.89% | 7.96% | 8.45% | 8.08% | 8.23% | +34 bps | |
| Efficiency Ratio | 98.45% | 96.80% | 100.95% | 91.75% | 89.44% | -901 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.62% | -12.04% | -14.57% | -12.70% | -2.77% | +785 bps | |
| Loan Growth (YoY) | -1.52% | -13.68% | -12.12% | -11.97% | -19.99% | -1,847 bps | |
| Share Growth (YoY) | -9.32% | -11.13% | -13.69% | -11.94% | -1.42% | +789 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.54% | 1.14% | 4.80% | 3.66% | 0.73% | -80 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.90% | 2.43% | 2.16% | 3.80% | 2.98% | +107 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.61% | 5.72% | 5.67% | 3.57% | 3.99% | -162 bps | |
| Net Worth / Assets | 5.61% | 5.72% | 5.67% | 3.57% | 3.99% | -162 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.86% | 77.18% | 84.68% | 74.25% | 64.82% | -1,505 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |