Gonzales, LA · Charter 61665
NCUA · 1 branch
Q4 2020
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 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.86% | 0.78% | 0.60% | 0.64% | 0.71% | 1.16% | 0.78% | +18 bps | |
| Return on Equity | 4.22% | 4.17% | 3.72% | 2.75% | 2.88% | 3.30% | 5.28% | 3.30% | +55 bps | |
| Net Interest Margin | 3.06% | 3.04% | 3.05% | 3.16% | 3.13% | 2.96% | 2.89% | 3.12% | -4 bps | |
| Efficiency Ratio | 71.83% | 72.05% | 74.56% | 81.19% | 79.55% | 76.11% | 65.61% | 77.77% | -341 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.71% | -4.61% | -5.45% | -4.36% | -5.81% | -2.22% | 0.19% | -4.77% | -41 bps | |
| Loan Growth (YoY) | 11.66% | 5.79% | 1.06% | -0.45% | -0.74% | -10.07% | -7.98% | -14.98% | -1,453 bps | |
| Share Growth (YoY) | -3.15% | -6.75% | -7.60% | -6.20% | -7.98% | -3.42% | -0.84% | -6.82% | -62 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.05% | 0.16% | 0.00% | 0.00% | 0.00% | 0.00% | -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 | 0.59% | 0.58% | 0.59% | 0.58% | 0.53% | 0.58% | 0.57% | 0.61% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.47% | 20.65% | 21.06% | 21.85% | 22.27% | 21.62% | 21.88% | 23.73% | +188 bps | |
| Net Worth / Assets | 20.47% | 20.65% | 21.06% | 21.85% | 22.27% | 21.62% | 21.88% | 23.73% | +188 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.13% | 67.99% | 68.85% | 72.91% | 72.41% | 63.31% | 63.90% | 66.52% | -639 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |