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Conoco Louisiana Employees

Lafayette, LA · Charter 62814

NCUA · 3 branches

Q1 2017

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 2017, the quarter ended March 31, 2017, 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 2026-10-10

Conoco Louisiana Employees

Lafayette, LA · Charter 62814

NCUA · 3 branches

Q1 2017

$15.4MAssets
$6.0MLoans
$13.3MShares
$2.0MNet 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 -0.26%, down 14 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 1.58% of loans (+76 bps YoY).
  • Capital: net worth / assets of 13.20%, up 85 bps from a year ago.
  • Funding: loans stand at 44.79% of shares as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.26%-14 bps YoY

Net Interest Margin (YTD, annualized)

2.79%+2 bps YoY

Efficiency Ratio (YTD, annualized)

94.59%+165 bps YoY

Net Worth / Assets

13.20%+85 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets-0.13%-0.28%-0.15%-0.08%-0.26%-14 bps
Return on Equity-1.05%-2.23%-1.17%-0.58%-2.01%-96 bps
Net Interest Margin2.77%2.75%2.76%2.87%2.79%+2 bps
Efficiency Ratio92.94%102.58%99.39%97.56%94.59%+165 bps
Growth
Asset Growth (YoY)5.28%5.41%5.66%-1.96%-7.23%-1,251 bps
Loan Growth (YoY)-4.75%-13.42%-17.80%-18.75%-16.49%-1,174 bps
Share Growth (YoY)6.14%6.39%6.69%-2.21%-8.22%-1,436 bps
Asset Quality
Delinquent Loans / Loans0.82%0.98%1.03%1.93%1.58%+76 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.35%0.27%0.27%0.22%0.33%-2 bps
Capital
Risk-Based Capital12.35%12.70%12.64%13.33%13.20%+85 bps
Net Worth / Assets12.35%12.70%12.64%13.33%13.20%+85 bps
Liquidity & Funding
Loans / Shares49.23%48.20%45.30%45.94%44.79%-444 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps