New Orleans, LA · Charter 63071
Q2 2000
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.77% | 0.34% | 2.62% | 1.12% | -0.87% | -364 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 5.77% | -0.14% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 81.04% | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -35.22% | -14.16% | 3.34% | -3.15% | 78.58% | +11,380 bps | |
| Loan Growth (YoY) | -29.25% | -26.22% | -30.62% | -6.24% | -59.69% | -3,045 bps | |
| Share Growth (YoY) | -45.85% | -18.47% | 6.37% | -4.11% | 93.56% | +13,941 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.13% | 0.00% | 0.00% | 0.00% | 26.39% | +2,126 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.57% | 9.16% | 8.52% | 8.52% | 26.06% | +1,650 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.20% | 92.00% | 111.73% | 111.73% | 19.41% | -7,379 bps | |
| Liquid Assets / Assets | 33.78% | 0.00% | 29.96% | 2.16% | 85.00% | +5,122 bps | |