Raceland, LA · Charter 62817
NCUA · 1 branch
Q3 2021
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.22% | -0.29% | 0.42% | 0.42% | -2.07% | -229 bps | |
| Return on Equity | 0.77% | -1.07% | 1.46% | 1.46% | -7.34% | -811 bps | |
| Net Interest Margin | 4.42% | 4.42% | 3.75% | 4.28% | 4.76% | +35 bps | |
| Efficiency Ratio | 96.13% | 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 / Loans | 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 |
| Allowance / Loans | 1.60% | 1.64% | 1.65% | 1.58% | 1.64% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 28.71% | 26.84% | 28.77% | 28.52% | 28.20% | -51 bps | |
| Net Worth / Assets | 28.71% | 26.84% | 28.77% | 28.52% | 28.20% | -51 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |