New Orleans, LA · Charter 3069
NCUA · 1 branch
Q3 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2020, the quarter ended September 30, 2020, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
New Orleans, LA · Charter 3069
NCUA · 1 branch
Q3 2020
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 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.53% | -0.72% | -0.95% | -1.94% | -2.15% | -11.49% | -8.25% | -5.98% | -404 bps | |
| Return on Equity | -5.30% | -2.34% | -2.99% | -6.28% | -7.44% | -42.24% | -31.02% | -19.35% | -1,307 bps | |
| Net Interest Margin | 2.29% | 2.98% | 3.23% | 2.65% | 2.53% | 1.68% | 1.57% | 1.25% | -141 bps | |
| Efficiency Ratio | 162.74% | 124.04% | 129.30% | 174.78% | 183.62% | 190.22% | 311% | 290% | +11,558 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.55% | -7.28% | -11.88% | -7.61% | -7.03% | -4.79% | -2.75% | -6.79% | +82 bps | |
| Loan Growth (YoY) | -20.52% | -22.36% | -27.71% | -37.04% | -39.76% | -60.17% | -57.64% | -56.29% | -1,925 bps | |
| Share Growth (YoY) | -5.75% | -8.21% | -14.88% | -8.25% | -7.14% | -0.32% | 4.23% | -2.79% | +546 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 26.98% | 29.25% | 27.22% | 38.03% | 37.32% | 19.93% | 20.87% | 38.42% | +38 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 | 4.17% | 4.14% | 4.92% | 5.93% | 6.93% | 1.28% | 12.09% | 14.12% | +819 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 28.92% | 30.60% | 31.63% | 30.96% | 28.94% | 27.21% | 26.59% | 30.91% | -5 bps | |
| Net Worth / Assets | 28.92% | 30.60% | 31.63% | 30.96% | 28.94% | 27.21% | 26.59% | 30.91% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.50% | 28.01% | 24.98% | 19.39% | 16.54% | 11.19% | 10.15% | 8.72% | -1,067 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |