Baton Rouge, LA · Charter 62933
NCUA · 1 branch
Q3 2018
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.34% | -0.61% | -1.44% | -1.32% | -0.90% | -0.07% | 0.19% | -1.84% | -52 bps | |
| Return on Equity | -1.79% | -3.27% | -7.67% | -6.77% | -4.54% | -0.38% | 0.87% | -8.33% | -156 bps | |
| Net Interest Margin | 2.97% | 2.81% | 2.82% | 2.96% | 3.02% | 3.12% | 3.56% | 3.72% | +75 bps | |
| Efficiency Ratio | 110.70% | 120.38% | 144.95% | 139.67% | 126.51% | 102.29% | 94.97% | 147.52% | +785 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.33% | -2.96% | -3.60% | -6.99% | -8.13% | -10.30% | -13.64% | -17.39% | -1,040 bps | |
| Loan Growth (YoY) | -6.35% | -11.46% | -13.67% | -10.45% | -16.21% | -9.47% | 6.66% | 4.66% | +1,510 bps | |
| Share Growth (YoY) | -4.82% | -3.08% | -3.32% | -6.97% | -8.69% | -11.24% | -16.07% | -21.08% | -1,411 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.02% | 0.83% | 0.77% | 1.58% | 0.00% | 0.00% | 0.38% | -39 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 | 0.27% | 0.29% | 0.47% | 0.43% | 0.44% | 0.37% | 0.35% | 0.34% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.02% | 18.63% | 18.79% | 19.54% | 19.81% | 19.76% | 21.44% | 22.10% | +256 bps | |
| Net Worth / Assets | 19.02% | 18.63% | 18.79% | 19.54% | 19.81% | 19.76% | 21.44% | 22.10% | +256 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.94% | 38.79% | 35.52% | 39.42% | 38.49% | 39.57% | 45.15% | 52.27% | +1,285 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |