Lake Charles, LA · Charter 62709
Q1 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.64% | -1.61% | -1.35% | -1.85% | -0.97% | +267 bps | |
| Return on Equity | -14.11% | -6.26% | -4.96% | -6.86% | -3.84% | +1,028 bps | |
| Net Interest Margin | 4.54% | 4.77% | 5.06% | 5.11% | 4.95% | +42 bps | |
| Efficiency Ratio | 104.98% | 80.78% | 89.84% | 100.59% | 124.90% | +1,992 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.19% | -4.76% | -7.99% | -9.70% | -5.20% | -501 bps | |
| Loan Growth (YoY) | 2.12% | -9.13% | -5.29% | 6.59% | 7.15% | +503 bps | |
| Share Growth (YoY) | 1.55% | -4.55% | -9.34% | -10.86% | -5.31% | -686 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.16% | 3.50% | 3.49% | 9.99% | 1.86% | -230 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.66% | 1.68% | 1.63% | 2.20% | 0.93% | -73 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.81% | 25.68% | 27.20% | 27.02% | 25.28% | -53 bps | |
| Net Worth / Assets | 25.81% | 25.68% | 27.20% | 27.02% | 25.28% | -53 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.25% | 63.57% | 71.66% | 73.38% | 70.44% | +819 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |