Marrero, LA · Charter 23607
NCUA · 1 branch
Q1 2022
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 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.03% | -0.24% | -1.03% | -1.88% | -1.37% | -3.30% | 0.29% | +132 bps | |
| Return on Equity | 6.90% | 0.52% | -3.90% | -18.17% | -38.72% | -30.98% | -152.81% | 13.69% | +3,185 bps | |
| Net Interest Margin | 3.24% | 3.10% | 2.98% | 2.64% | 2.49% | 2.31% | 2.26% | 1.85% | -78 bps | |
| Efficiency Ratio | 90.13% | 97.64% | 100.07% | 106.49% | 126.70% | 115.78% | 121.49% | 85.30% | -2,120 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.94% | 9.35% | 13.90% | 19.15% | 6.40% | 13.91% | 12.43% | 15.37% | -378 bps | |
| Loan Growth (YoY) | -10.37% | -15.91% | -19.43% | -18.28% | -11.46% | -4.01% | -2.12% | -6.29% | +1,200 bps | |
| Share Growth (YoY) | 11.56% | 10.91% | 15.25% | 20.51% | 8.45% | 15.56% | 16.71% | 18.47% | -205 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.73% | 9.42% | 11.41% | 8.62% | 6.61% | 5.99% | 7.76% | 7.10% | -153 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 | 0.67% | 0.77% | 0.70% | 0.87% | 0.98% | 1.37% | 6.77% | 7.35% | +648 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.63% | 6.47% | 6.15% | 5.66% | 4.85% | 4.42% | 2.16% | 2.10% | -356 bps | |
| Net Worth / Assets | 6.63% | 6.47% | 6.15% | 5.66% | 4.85% | 4.42% | 2.16% | 2.10% | -356 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.01% | 47.00% | 44.47% | 41.11% | 40.01% | 39.04% | 37.30% | 32.52% | -859 bps | |
| Liquid Assets / Assets | 97.08% | 99.25% | 0.00% | 97.35% | 0.00% | 99.21% | 0.00% | 0.00% | -9,735 bps | |