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Jefferson Parish Sch Board Emp

Harvey, LA · Charter 60738

NCUA · 12 branches

Q2 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2016, the quarter ended June 30, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Jefferson Parish Sch Board Emp

Harvey, LA · Charter 60738

NCUA · 12 branches

Q2 2016

$400.0MAssets
$338.5MLoans
$332.0MShares
$47.3MNet Worth

Executive Summary

  • Earnings: ROA of 1.09%, up 30 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.60% of loans (-16 bps YoY).
  • Capital: net worth / assets of 11.83%, up 27 bps from a year ago.
  • Funding: loans stand at 101.95% of shares as of Q2 2016.

Return on Assets (YTD, annualized)

1.09%+30 bps YoY

Net Interest Margin (YTD, annualized)

3.78%+16 bps YoY

Efficiency Ratio (YTD, annualized)

75.77%-150 bps YoY

Net Worth / Assets

11.83%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets0.49%0.51%0.79%0.79%0.71%0.63%0.90%1.09%+30 bps
Return on Equity4.36%5.02%6.92%6.81%6.62%6.00%8.09%9.23%+242 bps
Net Interest Margin3.59%3.17%3.61%3.62%3.33%3.30%3.70%3.78%+16 bps
Efficiency Ratio83.97%84.16%80.01%77.27%79.50%80.08%75.85%75.77%-150 bps
Growth
Asset Growth (YoY)-0.84%16.50%3.69%7.06%13.23%2.63%9.53%5.28%-178 bps
Loan Growth (YoY)1.25%5.23%7.53%8.38%19.66%18.31%16.99%9.51%+113 bps
Share Growth (YoY)-9.04%-7.96%-6.99%-6.30%1.09%6.80%6.60%14.24%+2,054 bps
Asset Quality
Delinquent Loans / Loans0.99%0.87%0.81%0.76%0.63%0.60%0.68%0.60%-16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.56%0.49%0.49%0.62%0.53%0.58%0.64%0.63%+2 bps
Capital
Risk-Based Capital11.26%10.07%11.45%11.56%10.66%10.44%11.16%11.83%+27 bps
Net Worth / Assets11.26%10.07%11.45%11.56%10.66%10.44%11.16%11.83%+27 bps
Liquidity & Funding
Loans / Shares95.49%101.99%102.39%106.35%113.04%112.98%112.37%101.95%-440 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps