Houma, LA · Charter 62927
NCUA · 1 branch
Q1 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2022, the quarter ended March 31, 2022, 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.
Houma, LA · Charter 62927
NCUA · 1 branch
Q1 2022
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 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.50% | 1.70% | 1.16% | 0.97% | 0.62% | 0.85% | 0.77% | 20.50% | +1,953 bps | |
| Return on Equity | 9.51% | 10.23% | 6.88% | 5.63% | 3.54% | 4.76% | 4.32% | 88.42% | +8,280 bps | |
| Net Interest Margin | 3.75% | 3.87% | 3.81% | 3.61% | 3.35% | 3.25% | 3.16% | 2.60% | -100 bps | |
| Efficiency Ratio | 60.25% | 56.31% | 69.73% | 73.23% | 81.56% | 73.92% | 75.65% | 317% | +24,390 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.29% | -1.90% | -3.96% | -5.24% | -6.52% | -4.42% | -1.56% | -1.47% | +377 bps | |
| Loan Growth (YoY) | -6.93% | -15.18% | -14.78% | -19.71% | -19.45% | -19.70% | -21.87% | -20.82% | -111 bps | |
| Share Growth (YoY) | -1.53% | -4.05% | -6.04% | -7.12% | -8.46% | -5.83% | -2.87% | -8.60% | -148 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.56% | 0.22% | 2.95% | 5.40% | 0.27% | 6.16% | 5.36% | 3.99% | -140 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 | 8.35% | 7.07% | 7.38% | 8.30% | 8.68% | 9.42% | 10.32% | 0.17% | -813 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.74% | 16.60% | 16.87% | 17.27% | 17.53% | 17.85% | 17.91% | 23.18% | +592 bps | |
| Net Worth / Assets | 15.74% | 16.60% | 16.87% | 17.27% | 17.53% | 17.85% | 17.91% | 23.18% | +592 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.92% | 94.26% | 94.08% | 86.71% | 86.16% | 80.37% | 75.67% | 75.12% | -1,159 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |