New Orleans, LA · Charter 5
NCUA · 3 branches
Q1 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2020, the quarter ended March 31, 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 5
NCUA · 3 branches
Q1 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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.09% | -0.38% | 0.04% | 0.03% | -0.11% | -0.29% | -18.36% | -1,840 bps | |
| Return on Equity | 2.51% | 1.12% | -5.20% | 0.56% | 0.35% | -1.50% | -3.85% | -637% | -63,793 bps | |
| Net Interest Margin | 3.08% | 3.11% | 3.09% | 2.93% | 3.00% | 2.98% | 3.03% | 2.64% | -29 bps | |
| Efficiency Ratio | 88.68% | 88.50% | 92.63% | 88.22% | 87.81% | 90.84% | 92.30% | 575% | +48,666 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.48% | 6.11% | 5.33% | 3.18% | -2.78% | -2.84% | -5.90% | -5.95% | -913 bps | |
| Loan Growth (YoY) | 5.23% | 5.25% | 1.78% | -0.41% | -2.23% | -3.59% | -7.57% | -9.33% | -892 bps | |
| Share Growth (YoY) | 3.41% | 1.63% | 2.29% | 2.95% | 1.40% | 1.27% | -3.27% | -1.36% | -431 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 1.10% | 1.07% | 0.98% | 1.01% | 1.57% | 2.70% | 1.65% | +66 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 | 0.78% | 0.87% | 0.78% | 0.74% | 0.70% | 0.72% | 0.68% | 0.83% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.79% | 7.81% | 7.39% | 7.31% | 7.54% | 7.49% | 7.56% | 2.88% | -443 bps | |
| Net Worth / Assets | 7.79% | 7.81% | 7.39% | 7.31% | 7.54% | 7.49% | 7.56% | 2.88% | -443 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.97% | 94.27% | 92.60% | 89.86% | 91.57% | 89.74% | 88.49% | 82.60% | -726 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |