PackageTrendsPeer
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Texaco Loup Employees

Gonzales, LA · Charter 61665

NCUA · 1 branch

Q4 2020

$9.2MAssets
$4.6MLoans
$7.0MShares
$2.2MNet 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 0.78%, up 18 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.00% of loans (-16 bps YoY).
  • Capital: net worth / assets of 23.73%, up 188 bps from a year ago.
  • Funding: loans stand at 66.52% of shares as of Q4 2020.

Financial Results

Return on Assets (quarter, annualized)

0.78%+18 bps YoY

Net Interest Margin (quarter, annualized)

3.12%-4 bps YoY

Efficiency Ratio (quarter, annualized)

77.77%-341 bps YoY

Net Worth / Assets

23.73%+188 bps YoY

Discrete quarter, annualized.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020YoY ΔTrend
Earnings
Return on Assets0.60%0.64%0.71%1.16%0.78%+18 bps
Return on Equity2.75%2.88%3.30%5.28%3.30%+55 bps
Net Interest Margin3.16%3.13%2.96%2.89%3.12%-4 bps
Efficiency Ratio81.19%79.55%76.11%65.61%77.77%-341 bps
Growth
Asset Growth (YoY)-4.36%-5.81%-2.22%0.19%-4.77%-41 bps
Loan Growth (YoY)-0.45%-0.74%-10.07%-7.98%-14.98%-1,453 bps
Share Growth (YoY)-6.20%-7.98%-3.42%-0.84%-6.82%-62 bps
Asset Quality
Delinquent Loans / Loans0.16%0.00%0.00%0.00%0.00%-16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.58%0.53%0.58%0.57%0.61%+3 bps
Capital
Risk-Based Capital21.85%22.27%21.62%21.88%23.73%+188 bps
Net Worth / Assets21.85%22.27%21.62%21.88%23.73%+188 bps
Liquidity & Funding
Loans / Shares72.91%72.41%63.31%63.90%66.52%-639 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps