PackageTrendsPeer
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Little Chappapeela

Amite, LA · Charter 60362

Q2 2013

$425KAssets
$193KLoans
$350KShares
$74KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.11%, up 2 bps year over year; NIM at 4.67%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 17.47%, up 30 bps from a year ago.
  • Funding: loans stand at 55.06% of shares as of Q2 2013.

Financial Results

Return on Assets (quarter, annualized)

1.11%+2 bps YoY

Net Interest Margin (quarter, annualized)

4.67%+35 bps YoY

Efficiency Ratio (quarter, annualized)

76.41%+166 bps YoY

Net Worth / Assets

17.47%+30 bps YoY

Discrete quarter, annualized.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets1.09%0.68%0.00%1.12%1.11%+2 bps
Return on Equity6.35%3.97%0.00%6.65%6.33%-2 bps
Net Interest Margin4.31%4.44%3.41%4.76%4.67%+35 bps
Efficiency Ratio74.75%84.69%99.99%76.42%76.41%+166 bps
Growth
Asset Growth (YoY)20.03%15.80%10.07%4.94%-1.81%-2,184 bps
Loan Growth (YoY)4.34%11.65%4.52%-6.76%-25.50%-2,984 bps
Share Growth (YoY)25.31%19.54%12.35%5.93%-1.95%-2,726 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.40%2.27%2.30%2.55%3.22%+82 bps
Capital
Risk-Based Capital17.17%17.12%16.37%16.88%17.47%+30 bps
Net Worth / Assets17.17%17.12%16.37%16.88%17.47%+30 bps
Liquidity & Funding
Loans / Shares72.46%76.20%74.66%67.77%55.06%-1,741 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps