PackageTrendsPeer
Letter portraitLegal landscape

Mobil Lagco Employees

Baton Rouge, LA · Charter 62556

Q1 2005

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2005, the quarter ended March 31, 2005, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Mobil Lagco Employees

Baton Rouge, LA · Charter 62556

Q1 2005

$1.9MAssets
$1.3MLoans
$1.6MShares
$226KNet 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 -5.12%, down 448 bps year over year; NIM at 4.94%.
  • Asset quality: problem loans at 1.54% of loans (-417 bps YoY).
  • Capital: net worth / assets of 12.17%, up 92 bps from a year ago.
  • Funding: loans stand at 78.26% of shares as of Q1 2005.

Financial Results

Return on Assets (YTD, annualized)

-5.12%-448 bps YoY

Net Interest Margin (YTD, annualized)

4.94%+1 bps YoY

Efficiency Ratio (YTD, annualized)

124.51%+4,035 bps YoY

Net Worth / Assets

12.17%+92 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets-0.64%-0.24%-0.38%-0.80%-5.12%-448 bps
Return on Equity-5.69%-2.03%-3.10%-6.56%-42.07%-3,638 bps
Net Interest Margin4.93%5.01%5.02%5.04%4.94%+1 bps
Efficiency Ratio84.16%90.07%96.97%102.76%124.51%+4,035 bps
Growth
Asset Growth (YoY)-11.54%-17.68%-15.44%-12.67%-20.40%-885 bps
Loan Growth (YoY)-6.64%-6.55%-17.47%-19.17%-20.64%-1,399 bps
Share Growth (YoY)-11.75%-19.15%-16.54%-13.49%-21.23%-948 bps
Asset Quality
Delinquent Loans / Loans5.72%8.50%7.91%7.41%1.54%-417 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.34%3.28%3.65%3.28%3.92%+58 bps
Capital
Risk-Based Capital11.25%11.90%12.22%12.24%12.17%+92 bps
Net Worth / Assets11.25%11.90%12.22%12.24%12.17%+92 bps
Liquidity & Funding
Loans / Shares77.67%82.40%77.05%78.26%78.26%+59 bps
Liquid Assets / Assets30.44%26.57%29.61%30.80%29.99%-44 bps