Belle Chasse, LA · Charter 62777
NCUA · 1 branch
Q2 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2019, the quarter ended June 30, 2019, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Belle Chasse, LA · Charter 62777
NCUA · 1 branch
Q2 2019
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 2.59% | 2.50% | -6.74% | -4.61% | -2.91% | -16.12% | -8.86% | -213 bps | |
| Return on Equity | 2.60% | 7.37% | 6.83% | -18.11% | -13.11% | -7.93% | -44.99% | -23.53% | -542 bps | |
| Net Interest Margin | 1.18% | 3.66% | 3.44% | 3.57% | 3.74% | 3.88% | 3.72% | 3.87% | +29 bps | |
| Efficiency Ratio | 12.56% | 18.15% | 16.47% | 7.32% | 25.62% | 26.72% | 43.92% | 58.16% | +5,083 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.40% | 2.24% | 0.52% | -0.04% | -7.56% | -9.60% | -16.29% | -21.10% | -2,106 bps | |
| Loan Growth (YoY) | 3.75% | -1.99% | -0.84% | -7.53% | -11.47% | -10.20% | -21.65% | -18.35% | -1,082 bps | |
| Share Growth (YoY) | 1.10% | -0.74% | -3.24% | -4.26% | -7.86% | -10.82% | -15.23% | -21.65% | -1,739 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.27% | 0.00% | 7.24% | 5.84% | 8.83% | 3.03% | 1.21% | 1.71% | -413 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 | 3.31% | 3.57% | 3.66% | 5.11% | 1.90% | 2.37% | 2.35% | 1.98% | -312 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 34.97% | 35.13% | 36.60% | 37.20% | 35.14% | 36.70% | 35.82% | 37.67% | +47 bps | |
| Net Worth / Assets | 34.97% | 35.13% | 36.60% | 37.20% | 35.14% | 36.70% | 35.82% | 37.67% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 114.64% | 112.51% | 116.10% | 107.48% | 110.16% | 113.29% | 107.32% | 112.01% | +453 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |