Harvey, LA · Charter 60738
NCUA · 12 branches
Q2 2016
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.51% | 0.79% | 0.79% | 0.71% | 0.63% | 0.90% | 1.09% | +30 bps | |
| Return on Equity | 4.36% | 5.02% | 6.92% | 6.81% | 6.62% | 6.00% | 8.09% | 9.23% | +242 bps | |
| Net Interest Margin | 3.59% | 3.17% | 3.61% | 3.62% | 3.33% | 3.30% | 3.70% | 3.78% | +16 bps | |
| Efficiency Ratio | 83.97% | 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 / Loans | 0.99% | 0.87% | 0.81% | 0.76% | 0.63% | 0.60% | 0.68% | 0.60% | -16 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 | 0.56% | 0.49% | 0.49% | 0.62% | 0.53% | 0.58% | 0.64% | 0.63% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.26% | 10.07% | 11.45% | 11.56% | 10.66% | 10.44% | 11.16% | 11.83% | +27 bps | |
| Net Worth / Assets | 11.26% | 10.07% | 11.45% | 11.56% | 10.66% | 10.44% | 11.16% | 11.83% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.49% | 101.99% | 102.39% | 106.35% | 113.04% | 112.98% | 112.37% | 101.95% | -440 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |