New Orleans, LA · Charter 63148
Q2 2006
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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.17% | 1.54% | 0.32% | -59.62% | -31.87% | -3,204 bps | |
| Return on Equity | 1.22% | 9.93% | 1.43% | -337% | -175.33% | -17,655 bps | |
| Net Interest Margin | 5.44% | 6.45% | 8.57% | 7.07% | 6.38% | +94 bps | |
| Efficiency Ratio | 91.58% | 73.77% | 93.71% | 168.83% | 150.85% | +5,927 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.92% | 7.36% | -21.26% | -49.70% | -57.68% | -5,960 bps | |
| Loan Growth (YoY) | -0.13% | -12.02% | -44.02% | -57.16% | -70.26% | -7,013 bps | |
| Share Growth (YoY) | 0.12% | 6.91% | -27.98% | -49.95% | -59.34% | -5,945 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.27% | 2.11% | 4.44% | 12.16% | 70.17% | +6,990 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.88% | 1.18% | 1.33% | 41.20% | 48.40% | +4,753 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.29% | 15.51% | 22.56% | 17.71% | 18.17% | +389 bps | |
| Net Worth / Assets | 14.29% | 15.51% | 22.56% | 17.71% | 18.17% | +389 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.78% | 39.87% | 52.17% | 43.08% | 38.61% | -1,417 bps | |
| Liquid Assets / Assets | 29.96% | 54.51% | 59.85% | 78.03% | 0.00% | -2,996 bps | |