Monroe, LA · Charter 62935
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Monroe, LA · Charter 62935
NCUA
Q1 2016
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.45% | -0.60% | -2.24% | -2.98% | -1.73% | -128 bps | |
| Return on Equity | -4.32% | -5.79% | -24.52% | -36.10% | -21.28% | -1,696 bps | |
| Net Interest Margin | 4.72% | 4.69% | 4.95% | 5.28% | 6.21% | +149 bps | |
| Efficiency Ratio | 107.36% | 103.50% | 113.45% | 116.17% | 110.92% | +357 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.20% | -6.13% | -4.83% | -6.52% | -6.28% | -108 bps | |
| Loan Growth (YoY) | -6.77% | -11.62% | 9.81% | -1.22% | -1.82% | +495 bps | |
| Share Growth (YoY) | -3.66% | -5.33% | -3.54% | -4.03% | -3.90% | -24 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 15.38% | 18.16% | 19.31% | 17.57% | 16.77% | +138 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.78% | 1.84% | 2.73% | 3.26% | 3.48% | +171 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.38% | 10.38% | 9.15% | 8.24% | 8.11% | -227 bps | |
| Net Worth / Assets | 10.38% | 10.38% | 9.15% | 8.24% | 8.11% | -227 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.96% | 62.11% | 74.02% | 69.01% | 64.32% | +136 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |