Monroe, LA · Charter 62935
NCUA
Q1 2016
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.10% | -2.81% | -2.41% | -0.45% | -0.60% | -2.24% | -2.98% | -1.73% | -128 bps | |
| Return on Equity | -26.75% | -25.74% | -22.97% | -4.32% | -5.79% | -24.52% | -36.10% | -21.28% | -1,696 bps | |
| Net Interest Margin | 4.05% | 4.32% | 4.40% | 4.72% | 4.69% | 4.95% | 5.28% | 6.21% | +149 bps | |
| Efficiency Ratio | 139.81% | 133.06% | 129.24% | 107.36% | 103.50% | 113.45% | 116.17% | 110.92% | +357 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.44% | -6.54% | -7.26% | -5.20% | -6.13% | -4.83% | -6.52% | -6.28% | -108 bps | |
| Loan Growth (YoY) | -10.25% | -11.45% | -6.09% | -6.77% | -11.62% | 9.81% | -1.22% | -1.82% | +495 bps | |
| Share Growth (YoY) | -7.61% | -5.55% | -3.85% | -3.66% | -5.33% | -3.54% | -4.03% | -3.90% | -24 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 14.16% | 18.98% | 18.95% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.97% | 2.10% | 1.84% | 1.78% | 1.84% | 2.73% | 3.26% | 3.48% | +171 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.59% | 10.93% | 10.50% | 10.38% | 10.38% | 9.15% | 8.24% | 8.11% | -227 bps | |
| Net Worth / Assets | 11.59% | 10.93% | 10.50% | 10.38% | 10.38% | 9.15% | 8.24% | 8.11% | -227 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.53% | 65.02% | 67.05% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |