New Orleans, LA · Charter 64534
Q2 2014
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.43% | 0.40% | 0.59% | 0.17% | 0.05% | -38 bps | |
| Return on Equity | 5.53% | 4.99% | 7.17% | 2.11% | 0.68% | -486 bps | |
| Net Interest Margin | 3.25% | 3.30% | 3.30% | 2.89% | 3.00% | -24 bps | |
| Efficiency Ratio | 78.15% | 78.05% | 73.89% | 80.07% | 80.24% | +209 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.08% | -1.25% | -0.26% | 2.51% | 2.05% | +96 bps | |
| Loan Growth (YoY) | 1.20% | 3.85% | 8.12% | 6.83% | 6.32% | +512 bps | |
| Share Growth (YoY) | 0.27% | -2.06% | -4.16% | -0.72% | -0.89% | -116 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.67% | 0.71% | 1.06% | 1.16% | 0.90% | +22 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.55% | 0.54% | 0.53% | 0.53% | 0.51% | -4 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.77% | 8.05% | 8.20% | 7.82% | 8.00% | +23 bps | |
| Net Worth / Assets | 7.77% | 8.05% | 8.20% | 7.82% | 8.00% | +23 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.78% | 94.68% | 99.54% | 93.02% | 97.38% | +660 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |