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U.S. Customs

New Orleans, LA · Charter 24388

NCUA · 2 branches

Q2 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2016, the quarter ended June 30, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

U.S. Customs

New Orleans, LA · Charter 24388

NCUA · 2 branches

Q2 2016

$14.9MAssets
$7.8MLoans
$12.3MShares
$1.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -11.90%, down 1,135 bps year over year; NIM at -3.71%.
  • Asset quality: problem loans at 0.00% of loans (-28 bps YoY).
  • Capital: net worth / assets of 12.20%, down 643 bps from a year ago.
  • Funding: loans stand at 63.03% of shares as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

-11.90%-1,135 bps YoY

Net Interest Margin (YTD, annualized)

-3.71%-717 bps YoY

Efficiency Ratio (YTD, annualized)

445%+33,229 bps YoY

Net Worth / Assets

12.20%-643 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets-0.54%-0.48%-0.55%-0.57%-11.90%-1,135 bps
Return on Equity-2.91%-2.60%-2.97%-3.20%-97.48%-9,457 bps
Net Interest Margin3.45%3.48%3.53%3.35%-3.71%-717 bps
Efficiency Ratio112.94%111.39%112.47%114.00%445%+33,229 bps
Growth
Asset Growth (YoY)-0.52%-0.23%-0.68%1.49%1.13%+165 bps
Loan Growth (YoY)-2.48%-1.77%-4.45%-8.02%-1.54%+94 bps
Share Growth (YoY)0.43%0.20%0.78%2.58%3.19%+275 bps
Asset Quality
Delinquent Loans / Loans0.28%0.06%0.00%0.00%0.00%-28 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.27%0.16%0.21%0.23%0.84%+58 bps
Capital
Risk-Based Capital18.63%18.57%18.49%17.92%12.20%-643 bps
Net Worth / Assets18.63%18.57%18.49%17.92%12.20%-643 bps
Liquidity & Funding
Loans / Shares66.06%65.27%63.76%60.97%63.03%-303 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps