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White Gold

Raceland, LA · Charter 62817

NCUA · 1 branch

Q3 2021

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: Q3 2021, the quarter ended September 30, 2021, 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 2026-10-11

White Gold

Raceland, LA · Charter 62817

NCUA · 1 branch

Q3 2021

$418KAssets
$311KLoans
$237KShares
$118KNet 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 -2.07%, down 229 bps year over year; NIM at 4.76%.
  • Asset quality: problem loans at 14.52% of loans (-336 bps YoY).
  • Capital: net worth / assets of 28.20%, down 51 bps from a year ago.
  • Funding: loans stand at 130.84% of shares as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

-2.07%-229 bps YoY

Net Interest Margin (YTD, annualized)

4.76%+35 bps YoY

Efficiency Ratio (YTD, annualized)

131.79%+3,567 bps YoY

Net Worth / Assets

28.20%-51 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets0.22%-0.29%0.42%0.42%-2.07%-229 bps
Return on Equity0.77%-1.07%1.46%1.46%-7.34%-811 bps
Net Interest Margin4.42%4.42%3.75%4.28%4.76%+35 bps
Efficiency Ratio96.13%105.39%88.83%90.55%131.79%+3,567 bps
Growth
Asset Growth (YoY)-2.15%6.45%6.56%5.41%-5.08%-294 bps
Loan Growth (YoY)-3.76%-15.67%-6.78%-8.01%-2.41%+135 bps
Share Growth (YoY)-13.59%-6.16%-7.73%-8.21%-10.21%+338 bps
Asset Quality
Delinquent Loans / Loans17.88%15.32%14.05%12.18%14.52%-336 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.60%1.64%1.65%1.58%1.64%+4 bps
Capital
Risk-Based Capital28.71%26.84%28.77%28.52%28.20%-51 bps
Net Worth / Assets28.71%26.84%28.77%28.52%28.20%-51 bps
Liquidity & Funding
Loans / Shares120.39%107.11%118.99%119.97%130.84%+1,045 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps