Alexandria, LA · Charter 60309
NCUA · 1 branch
Q3 2018
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 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.55% | -1.56% | -2.97% | -2.15% | -1.78% | -23 bps | |
| Return on Equity | -16.30% | -17.01% | -35.73% | -26.20% | -22.20% | -590 bps | |
| Net Interest Margin | 2.50% | 2.56% | 2.58% | 2.51% | 2.60% | +10 bps | |
| Efficiency Ratio | 153.39% | 148.23% | 143.19% | 144.85% | 138.87% | -1,451 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.08% | -6.24% | -4.73% | -7.76% | -2.53% | +555 bps | |
| Loan Growth (YoY) | -6.75% | -10.69% | -10.80% | -12.07% | -8.43% | -168 bps | |
| Share Growth (YoY) | -7.18% | -5.33% | -3.27% | -6.65% | -0.93% | +625 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.73% | 0.74% | 0.25% | 0.00% | 0.00% | -173 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.47% | 1.29% | 1.76% | 1.92% | 1.93% | +45 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.49% | 9.20% | 8.31% | 8.21% | 8.01% | -148 bps | |
| Net Worth / Assets | 9.49% | 9.20% | 8.31% | 8.21% | 8.01% | -148 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.55% | 48.52% | 45.30% | 44.62% | 44.87% | -368 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |