Lafayette, LA · Charter 61654
NCUA · 1 branch
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Lafayette, LA · Charter 61654
NCUA · 1 branch
Q3 2017
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.09% | -0.01% | -0.17% | -0.28% | -0.59% | -0.08% | -0.10% | -0.58% | -29 bps | |
| Return on Equity | -1.14% | -0.12% | -2.16% | -3.73% | -7.93% | -1.10% | -1.32% | -7.80% | -407 bps | |
| Net Interest Margin | 2.33% | 2.36% | 2.41% | 2.37% | 2.45% | 2.41% | 2.51% | 2.59% | +22 bps | |
| Efficiency Ratio | 102.88% | 98.05% | 96.45% | 98.79% | 100.32% | 102.46% | 97.51% | 95.66% | -313 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.58% | 4.18% | 1.50% | 3.34% | -0.98% | -2.35% | -3.77% | -7.38% | -1,072 bps | |
| Loan Growth (YoY) | 6.20% | 9.04% | -0.19% | -0.17% | 0.61% | -1.77% | 0.52% | 2.21% | +239 bps | |
| Share Growth (YoY) | 5.02% | 4.44% | 1.66% | 3.71% | -0.54% | -1.99% | -3.57% | -7.35% | -1,106 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.09% | 0.06% | 1.22% | 2.00% | 1.02% | 1.19% | 1.31% | 0.14% | -185 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% | 0.44% | 0.70% | 0.88% | 1.32% | 1.20% | 1.28% | 1.43% | +55 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.90% | 7.74% | 7.79% | 7.61% | 7.39% | 7.32% | 7.53% | 7.40% | -22 bps | |
| Net Worth / Assets | 7.90% | 7.74% | 7.79% | 7.61% | 7.39% | 7.32% | 7.53% | 7.40% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.61% | 48.52% | 51.20% | 50.21% | 50.19% | 48.63% | 53.37% | 55.39% | +518 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |