New Orleans, LA · Charter 24388
NCUA · 2 branches
Q2 2016
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.45% | -0.58% | -0.52% | -0.54% | -0.48% | -0.55% | -0.57% | -11.90% | -1,135 bps | |
| Return on Equity | -2.34% | -3.05% | -2.75% | -2.91% | -2.60% | -2.97% | -3.20% | -97.48% | -9,457 bps | |
| Net Interest Margin | 3.44% | 3.45% | 3.44% | 3.45% | 3.48% | 3.53% | 3.35% | -3.71% | -717 bps | |
| Efficiency Ratio | 110.74% | 111.15% | 112.41% | 112.94% | 111.39% | 112.47% | 114.00% | 445% | +33,229 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.12% | -1.16% | -3.02% | -0.52% | -0.23% | -0.68% | 1.49% | 1.13% | +165 bps | |
| Loan Growth (YoY) | 5.03% | 0.80% | 2.57% | -2.48% | -1.77% | -4.45% | -8.02% | -1.54% | +94 bps | |
| Share Growth (YoY) | -1.27% | -1.17% | -2.51% | 0.43% | 0.20% | 0.78% | 2.58% | 3.19% | +275 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.11% | 0.23% | 0.28% | 0.06% | 0.00% | 0.00% | 0.00% | -28 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 | 0.15% | 0.23% | 0.26% | 0.27% | 0.16% | 0.21% | 0.23% | 0.84% | +58 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.14% | 18.90% | 18.74% | 18.63% | 18.57% | 18.49% | 17.92% | 12.20% | -643 bps | |
| Net Worth / Assets | 19.14% | 18.90% | 18.74% | 18.63% | 18.57% | 18.49% | 17.92% | 12.20% | -643 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.58% | 67.26% | 67.99% | 66.06% | 65.27% | 63.76% | 60.97% | 63.03% | -303 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |