Hahnville, LA · Charter 63010
NCUA · 1 branch
Q3 2018
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.63% | 0.55% | 0.30% | 0.08% | 0.62% | -1 bps | |
| Return on Equity | 3.01% | 2.57% | 1.40% | 0.37% | 2.64% | -38 bps | |
| Net Interest Margin | 4.44% | 4.53% | 5.08% | 4.79% | 5.25% | +81 bps | |
| Efficiency Ratio | 81.64% | 83.61% | 91.39% | 96.92% | 88.32% | +668 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.54% | -3.92% | -4.10% | -2.66% | -8.59% | -505 bps | |
| Loan Growth (YoY) | -4.72% | 1.34% | 0.92% | -0.54% | 11.21% | +1,593 bps | |
| Share Growth (YoY) | -5.14% | -5.63% | -5.66% | -3.65% | -11.37% | -623 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 4.18% | 3.86% | 3.09% | 2.97% | 2.16% | -202 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.88% | 21.57% | 21.54% | 21.45% | 23.38% | +250 bps | |
| Net Worth / Assets | 20.88% | 21.57% | 21.54% | 21.45% | 23.38% | +250 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |