New Orleans, LA · Charter 3069
NCUA · 1 branch
Q3 2020
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 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.94% | -2.15% | -11.49% | -8.25% | -5.98% | -404 bps | |
| Return on Equity | -6.28% | -7.44% | -42.24% | -31.02% | -19.35% | -1,307 bps | |
| Net Interest Margin | 2.65% | 2.53% | 1.68% | 1.57% | 1.25% | -141 bps | |
| Efficiency Ratio | 174.78% | 183.62% | 190.22% | 311% | 290% | +11,558 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.61% | -7.03% | -4.79% | -2.75% | -6.79% | +82 bps | |
| Loan Growth (YoY) | -37.04% | -39.76% | -60.17% | -57.64% | -56.29% | -1,925 bps | |
| Share Growth (YoY) | -8.25% | -7.14% | -0.32% | 4.23% | -2.79% | +546 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 5.93% | 6.93% | 1.28% | 12.09% | 14.12% | +819 bps | |
| Capital | |||||||
| Risk-Based Capital | 30.96% | 28.94% | 27.21% | 26.59% | 30.91% | -5 bps | |
| Net Worth / Assets | 30.96% | 28.94% | 27.21% | 26.59% | 30.91% | -5 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |