New Orleans, LA · Charter 62990
Q4 2001
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.83% | -3.89% | -2.42% | -0.19% | -477% | -47,641 bps | |
| Return on Equity | n/a | n/a | -5.93% | -0.66% | n/a | n/a | |
| Net Interest Margin | 5.80% | 2.52% | 6.60% | 3.36% | 12.08% | +628 bps | |
| Efficiency Ratio | 65.92% | 96.82% | 62.77% | 75.86% | 2988% | +292,254 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -44.86% | -41.42% | -41.89% | -28.00% | -55.23% | -1,036 bps | |
| Loan Growth (YoY) | 11.37% | 6.00% | 12.21% | 26.88% | -24.67% | -3,603 bps | |
| Share Growth (YoY) | -54.81% | -48.25% | -49.70% | -33.12% | 162.82% | +21,763 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.48% | 3.02% | 1.46% | 0.25% | 0.36% | -211 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.17% | 8.57% | 8.12% | 7.88% | 0.00% | -417 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 40.74% | 28.58% | -406% | n/a | |
| Net Worth / Assets | n/a | n/a | 40.74% | 28.58% | -406% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.66% | 44.71% | 75.42% | 50.43% | 20.25% | -5,041 bps | |
| Liquid Assets / Assets | 14.80% | 56.29% | 44.32% | 65.44% | 24.05% | +925 bps | |