Lafayette, LA · Charter 62814
NCUA · 3 branches
Q1 2017
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 2.77% | 2.75% | 2.76% | 2.87% | 2.79% | +2 bps | |
| Efficiency Ratio | 92.94% | 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 / Loans | 0.82% | 0.98% | 1.03% | 1.93% | 1.58% | +76 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.35% | 0.27% | 0.27% | 0.22% | 0.33% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.35% | 12.70% | 12.64% | 13.33% | 13.20% | +85 bps | |
| Net Worth / Assets | 12.35% | 12.70% | 12.64% | 13.33% | 13.20% | +85 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.23% | 48.20% | 45.30% | 45.94% | 44.79% | -444 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |