Geismar, LA · Charter 23566
Q4 2004
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.26% | -1.37% | -0.61% | -3.98% | -3.19% | -292 bps | |
| Return on Equity | -1.72% | -9.80% | -4.55% | -36.24% | -29.32% | -2,760 bps | |
| Net Interest Margin | 3.77% | 2.13% | 2.83% | 2.38% | 2.46% | -131 bps | |
| Efficiency Ratio | 95.95% | 159.06% | 120.47% | 184.73% | 169.25% | +7,331 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.17% | 6.48% | 4.93% | 5.95% | 9.24% | +708 bps | |
| Loan Growth (YoY) | -8.33% | 8.22% | 0.00% | -9.53% | -5.22% | +311 bps | |
| Share Growth (YoY) | 3.33% | 8.31% | 7.05% | 10.37% | 14.99% | +1,166 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.04% | 3.94% | 1.65% | 1.33% | 1.39% | -166 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.44% | 1.34% | 0.00% | 2.24% | 2.38% | +94 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.35% | 13.94% | 13.51% | 10.99% | 10.87% | -449 bps | |
| Net Worth / Assets | 15.35% | 13.94% | 13.51% | 10.99% | 10.87% | -449 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.49% | 55.01% | 52.38% | 49.32% | 46.56% | -993 bps | |
| Liquid Assets / Assets | 44.35% | 39.88% | 39.31% | 47.01% | 56.78% | +1,243 bps | |