Lafayette, LA · Charter 62814
NCUA · 3 branches
Q1 2017
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.15% | 0.02% | -0.05% | -0.13% | -0.28% | -0.15% | -0.08% | -0.26% | -14 bps | |
| Return on Equity | -1.10% | 0.12% | -0.36% | -1.05% | -2.23% | -1.17% | -0.58% | -2.01% | -96 bps | |
| Net Interest Margin | 2.97% | 3.00% | 2.87% | 2.77% | 2.75% | 2.76% | 2.87% | 2.79% | +2 bps | |
| Efficiency Ratio | 99.18% | 96.35% | 98.91% | 92.94% | 102.58% | 99.39% | 97.56% | 94.59% | +165 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.21% | 0.86% | 3.04% | 5.28% | 5.41% | 5.66% | -1.96% | -7.23% | -1,251 bps | |
| Loan Growth (YoY) | 9.17% | 3.46% | -2.88% | -4.75% | -13.42% | -17.80% | -18.75% | -16.49% | -1,174 bps | |
| Share Growth (YoY) | 0.37% | 1.12% | 3.58% | 6.14% | 6.39% | 6.69% | -2.21% | -8.22% | -1,436 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.90% | 0.84% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.32% | 0.32% | 0.33% | 0.35% | 0.27% | 0.27% | 0.22% | 0.33% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.51% | 13.53% | 13.15% | 12.35% | 12.70% | 12.64% | 13.33% | 13.20% | +85 bps | |
| Net Worth / Assets | 13.51% | 13.53% | 13.15% | 12.35% | 12.70% | 12.64% | 13.33% | 13.20% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.23% | 58.80% | 55.29% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |