New Orleans, LA · Charter 60842
NCUA · 2 branches
Q3 2023
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 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.57% | 1.70% | 1.57% | 0.99% | 0.75% | 1.47% | 0.94% | 0.66% | -33 bps | |
| Return on Equity | 10.39% | 11.65% | 10.35% | 6.44% | 4.77% | 9.15% | 5.75% | 3.99% | -245 bps | |
| Net Interest Margin | 4.89% | 4.71% | 4.85% | 5.00% | 5.10% | 4.75% | 4.79% | 4.87% | -13 bps | |
| Efficiency Ratio | 73.81% | 72.42% | 74.16% | 79.01% | 83.30% | 78.35% | 84.07% | 87.62% | +861 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.43% | 15.78% | 10.58% | 3.44% | 0.48% | -5.47% | -4.43% | -4.30% | -774 bps | |
| Loan Growth (YoY) | 13.30% | 13.08% | 11.94% | 6.20% | 5.03% | 4.37% | 4.99% | 5.86% | -34 bps | |
| Share Growth (YoY) | 15.64% | 16.24% | 10.23% | 2.33% | 0.43% | -6.36% | -5.94% | -6.25% | -858 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 0.57% | 0.96% | 1.52% | 1.27% | 1.03% | 1.40% | 1.77% | +25 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 | 0.57% | 0.75% | 0.74% | 0.92% | 0.75% | 0.00% | 0.00% | 0.00% | -92 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.07% | 14.58% | 15.17% | 15.43% | 15.74% | 16.10% | 16.28% | 16.61% | +118 bps | |
| Net Worth / Assets | 15.07% | 14.58% | 15.17% | 15.43% | 15.74% | 16.10% | 16.28% | 16.61% | +118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.65% | 74.19% | 77.71% | 79.59% | 83.30% | 82.70% | 86.74% | 89.87% | +1,028 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |