Metairie, LA · Charter 62754
NCUA · 1 branch
Q3 2022
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 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.35% | 1.17% | 1.02% | 1.73% | 1.19% | 1.22% | 0.63% | -3.44% | -517 bps | |
| Return on Equity | 6.34% | 5.50% | 4.82% | 7.96% | 5.47% | 5.44% | 2.62% | -14.63% | -2,259 bps | |
| Net Interest Margin | 2.19% | 2.25% | 2.12% | 2.04% | 1.65% | 1.86% | 2.05% | -1.85% | -389 bps | |
| Efficiency Ratio | 48.68% | 48.87% | 52.51% | 37.55% | 46.12% | 48.89% | 73.35% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.65% | 12.06% | 9.03% | 4.38% | 5.14% | 2.19% | -5.55% | -15.68% | -2,006 bps | |
| Loan Growth (YoY) | -20.16% | -19.51% | -16.91% | -19.28% | -15.66% | -4.48% | -3.65% | -0.22% | +1,907 bps | |
| Share Growth (YoY) | 10.80% | 13.24% | 10.84% | 4.70% | 6.18% | 4.87% | -2.95% | -19.84% | -2,454 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.33% | 12.69% | 13.59% | 13.68% | 13.74% | 8.77% | 12.99% | 15.27% | +159 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 | 3.68% | 3.91% | 3.98% | 4.06% | 4.19% | 3.86% | 4.34% | 2.60% | -146 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.26% | 21.24% | 21.25% | 21.77% | 21.75% | 22.35% | 23.92% | 23.52% | +176 bps | |
| Net Worth / Assets | 21.26% | 21.24% | 21.25% | 21.77% | 21.75% | 22.35% | 23.92% | 23.52% | +176 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.46% | 33.11% | 31.72% | 29.99% | 28.17% | 30.16% | 31.49% | 37.34% | +734 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |