Raceland, LA · Charter 62817
NCUA · 1 branch
Q3 2021
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Raceland, LA · Charter 62817
NCUA · 1 branch
Q3 2021
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 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.92% | -0.67% | -2.23% | 0.22% | -0.29% | 0.42% | 0.42% | -2.07% | -229 bps | |
| Return on Equity | -3.23% | -2.22% | -7.67% | 0.77% | -1.07% | 1.46% | 1.46% | -7.34% | -811 bps | |
| Net Interest Margin | 5.63% | 7.11% | 4.73% | 4.42% | 4.42% | 3.75% | 4.28% | 4.76% | +35 bps | |
| Efficiency Ratio | 116.80% | 109.64% | 147.57% | 96.13% | 105.39% | 88.83% | 90.55% | 131.79% | +3,567 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.42% | -13.39% | -2.57% | -2.15% | 6.45% | 6.56% | 5.41% | -5.08% | -294 bps | |
| Loan Growth (YoY) | 37.70% | 24.46% | -1.23% | -3.76% | -15.67% | -6.78% | -8.01% | -2.41% | +135 bps | |
| Share Growth (YoY) | -9.64% | -17.34% | -0.94% | -13.59% | -6.16% | -7.73% | -8.21% | -10.21% | +338 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 22.72% | 19.43% | 17.96% | 17.88% | 15.32% | 14.05% | 12.18% | 14.52% | -336 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 | 1.39% | 1.53% | 1.46% | 1.60% | 1.64% | 1.65% | 1.58% | 1.64% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 28.46% | 30.34% | 29.05% | 28.71% | 26.84% | 28.77% | 28.52% | 28.20% | -51 bps | |
| Net Worth / Assets | 28.46% | 30.34% | 29.05% | 28.71% | 26.84% | 28.77% | 28.52% | 28.20% | -51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 119.19% | 117.77% | 119.70% | 120.39% | 107.11% | 118.99% | 119.97% | 130.84% | +1,045 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |