New Orleans, LA · Charter 5
NCUA · 3 branches
Q1 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 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | 0.03% | -0.11% | -0.29% | -18.36% | -1,840 bps | |
| Return on Equity | 0.56% | 0.35% | -1.50% | -3.85% | -637% | -63,793 bps | |
| Net Interest Margin | 2.93% | 3.00% | 2.98% | 3.03% | 2.64% | -29 bps | |
| Efficiency Ratio | 88.22% | 87.81% | 90.84% | 92.30% | 575% | +48,666 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.18% | -2.78% | -2.84% | -5.90% | -5.95% | -913 bps | |
| Loan Growth (YoY) | -0.41% | -2.23% | -3.59% | -7.57% | -9.33% | -892 bps | |
| Share Growth (YoY) | 2.95% | 1.40% | 1.27% | -3.27% | -1.36% | -431 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.74% | 0.70% | 0.72% | 0.68% | 0.83% | +9 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.31% | 7.54% | 7.49% | 7.56% | 2.88% | -443 bps | |
| Net Worth / Assets | 7.31% | 7.54% | 7.49% | 7.56% | 2.88% | -443 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |