Hahnville, LA · Charter 63010
NCUA · 1 branch
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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.
Hahnville, LA · Charter 63010
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 | 0.44% | 0.44% | 0.79% | 0.63% | 0.55% | 0.30% | 0.08% | 0.62% | -1 bps | |
| Return on Equity | 2.17% | 2.20% | 3.81% | 3.01% | 2.57% | 1.40% | 0.37% | 2.64% | -38 bps | |
| Net Interest Margin | 4.29% | 4.33% | 4.44% | 4.44% | 4.53% | 5.08% | 4.79% | 5.25% | +81 bps | |
| Efficiency Ratio | 84.74% | 78.73% | 75.92% | 81.64% | 83.61% | 91.39% | 96.92% | 88.32% | +668 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.56% | 0.89% | -1.49% | -3.54% | -3.92% | -4.10% | -2.66% | -8.59% | -505 bps | |
| Loan Growth (YoY) | -14.57% | -11.22% | -3.28% | -4.72% | 1.34% | 0.92% | -0.54% | 11.21% | +1,593 bps | |
| Share Growth (YoY) | 5.15% | 0.56% | -2.82% | -5.14% | -5.63% | -5.66% | -3.65% | -11.37% | -623 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.86% | 2.21% | 0.68% | 1.50% | 3.50% | 2.60% | 2.86% | 3.28% | +178 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 | 4.15% | 3.93% | 3.87% | 4.18% | 3.86% | 3.09% | 2.97% | 2.16% | -202 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.19% | 20.17% | 20.70% | 20.88% | 21.57% | 21.54% | 21.45% | 23.38% | +250 bps | |
| Net Worth / Assets | 20.19% | 20.17% | 20.70% | 20.88% | 21.57% | 21.54% | 21.45% | 23.38% | +250 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.11% | 63.51% | 68.93% | 64.65% | 73.14% | 67.94% | 71.15% | 81.11% | +1,647 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |