Cotton Valley, LA · Charter 4463
Q3 2005
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.14% | 0.07% | 0.47% | 0.15% | -7.46% | -732 bps | |
| Return on Equity | -1.63% | 0.80% | 4.94% | 1.58% | -156.39% | -15,476 bps | |
| Net Interest Margin | 3.15% | 3.19% | 3.07% | 3.10% | 3.37% | +22 bps | |
| Efficiency Ratio | 88.96% | 85.33% | 84.39% | 85.61% | 159.59% | +7,063 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.06% | 2.09% | -7.02% | -12.99% | -15.66% | -1,559 bps | |
| Loan Growth (YoY) | -8.65% | -9.98% | -10.16% | -14.85% | -15.31% | -667 bps | |
| Share Growth (YoY) | 0.04% | 2.67% | -7.85% | -14.60% | -12.72% | -1,276 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.00% | 11.40% | 9.36% | 8.30% | 5.21% | -180 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.79% | 0.86% | 0.88% | 0.00% | 3.01% | +221 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.57% | 8.87% | 9.43% | 9.77% | 4.77% | -380 bps | |
| Net Worth / Assets | 8.57% | 8.87% | 9.43% | 9.77% | 4.77% | -380 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.85% | 42.43% | 44.65% | 46.67% | 43.52% | -133 bps | |
| Liquid Assets / Assets | 21.77% | 22.97% | 19.40% | 18.89% | 28.94% | +716 bps | |