Metairie, LA · Charter 62527
Q1 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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.16% | 0.60% | 0.66% | 1.31% | +81 bps | |
| Return on Equity | 1.46% | 0.49% | 1.79% | 1.79% | 4.08% | +262 bps | |
| Net Interest Margin | 7.70% | 7.08% | 5.64% | 5.11% | 4.09% | -361 bps | |
| Efficiency Ratio | 93.54% | 97.68% | 89.30% | 87.18% | 67.91% | -2,563 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.41% | -1.15% | -0.34% | -7.29% | -18.83% | -1,542 bps | |
| Loan Growth (YoY) | -6.28% | -10.35% | -11.24% | -20.70% | -37.27% | -3,099 bps | |
| Share Growth (YoY) | -4.60% | -0.72% | -0.82% | -11.79% | -16.31% | -1,171 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.03% | 3.80% | 6.86% | 44.43% | 0.00% | -403 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.95% | 2.43% | 3.19% | 1.97% | 0.24% | -171 bps | |
| Capital | |||||||
| Risk-Based Capital | 34.04% | 33.26% | 33.72% | 36.62% | 32.18% | -185 bps | |
| Net Worth / Assets | 34.04% | 33.26% | 33.72% | 36.62% | 32.18% | -185 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 111.86% | 102.80% | 99.91% | 101.09% | 83.84% | -2,802 bps | |
| Liquid Assets / Assets | 27.14% | 32.61% | 14.45% | 37.03% | 15.70% | -1,143 bps | |