Belle Chasse, LA · Charter 62777
NCUA · 1 branch
Q2 2019
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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.74% | -4.61% | -2.91% | -16.12% | -8.86% | -213 bps | |
| Return on Equity | -18.11% | -13.11% | -7.93% | -44.99% | -23.53% | -542 bps | |
| Net Interest Margin | 3.57% | 3.74% | 3.88% | 3.72% | 3.87% | +29 bps | |
| Efficiency Ratio | 7.32% | 25.62% | 26.72% | 43.92% | 58.16% | +5,083 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.04% | -7.56% | -9.60% | -16.29% | -21.10% | -2,106 bps | |
| Loan Growth (YoY) | -7.53% | -11.47% | -10.20% | -21.65% | -18.35% | -1,082 bps | |
| Share Growth (YoY) | -4.26% | -7.86% | -10.82% | -15.23% | -21.65% | -1,739 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 5.11% | 1.90% | 2.37% | 2.35% | 1.98% | -312 bps | |
| Capital | |||||||
| Risk-Based Capital | 37.20% | 35.14% | 36.70% | 35.82% | 37.67% | +47 bps | |
| Net Worth / Assets | 37.20% | 35.14% | 36.70% | 35.82% | 37.67% | +47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |