New Orleans, LA · Charter 6508
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.
New Orleans, LA · Charter 6508
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 | -1.59% | -0.96% | -2.46% | -3.36% | -2.43% | -0.05% | 0.37% | -2.69% | +66 bps | |
| Return on Equity | -16.13% | -10.58% | -29.43% | -48.03% | -31.48% | -0.77% | 4.91% | -37.73% | +1,030 bps | |
| Net Interest Margin | 3.56% | 3.49% | 3.64% | 3.79% | 4.03% | 3.86% | 4.52% | 5.37% | +158 bps | |
| Efficiency Ratio | 92.68% | 122.48% | 111.92% | 103.38% | 97.84% | 99.48% | 91.78% | 97.81% | -557 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.61% | 11.99% | 9.37% | 4.08% | -0.81% | -4.93% | -5.94% | -24.50% | -2,858 bps | |
| Loan Growth (YoY) | 4.52% | 12.01% | 12.45% | 3.16% | -2.75% | -5.68% | -3.47% | -7.49% | -1,065 bps | |
| Share Growth (YoY) | 13.98% | 13.49% | 11.79% | 7.32% | 1.51% | -2.77% | -5.19% | -26.01% | -3,332 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.34% | 5.85% | 7.03% | 9.18% | 3.60% | 5.85% | 2.92% | 6.78% | -240 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 | 2.01% | 1.97% | 0.97% | 2.93% | 3.05% | 4.14% | 3.79% | 4.75% | +181 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.84% | 9.05% | 8.36% | 6.99% | 7.71% | 7.10% | 7.60% | 7.14% | +15 bps | |
| Net Worth / Assets | 9.84% | 9.05% | 8.36% | 6.99% | 7.71% | 7.10% | 7.60% | 7.14% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.59% | 52.60% | 53.93% | 52.10% | 52.30% | 51.03% | 54.91% | 65.14% | +1,304 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |