Lafayette, LA · Charter 62450
Q4 2006
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.72% | 2.45% | 2.42% | 2.00% | 1.67% | +95 bps | |
| Return on Equity | 6.85% | 22.94% | 20.66% | 16.53% | 13.70% | +685 bps | |
| Net Interest Margin | 4.69% | 4.38% | 4.60% | 4.55% | 4.47% | -22 bps | |
| Efficiency Ratio | 80.21% | 82.19% | 82.43% | 85.20% | 86.25% | +604 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.37% | -5.07% | -6.64% | -2.37% | 0.04% | +840 bps | |
| Loan Growth (YoY) | -3.97% | 0.56% | 0.77% | -2.33% | -0.37% | +360 bps | |
| Share Growth (YoY) | -10.01% | -5.43% | -7.10% | -4.58% | -1.85% | +816 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.18% | 0.73% | 0.64% | 0.60% | 1.02% | -16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.48% | 0.96% | 0.73% | 0.57% | 0.62% | -86 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.55% | 10.67% | 11.70% | 12.08% | 12.22% | +167 bps | |
| Net Worth / Assets | 10.55% | 10.67% | 11.70% | 12.08% | 12.22% | +167 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.38% | 70.32% | 74.72% | 74.58% | 74.49% | +110 bps | |
| Liquid Assets / Assets | 14.81% | 15.99% | 0.00% | 0.00% | 0.00% | -1,481 bps | |