New Orleans, LA · Charter 6508
NCUA · 1 branch
Q3 2018
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.36% | -2.43% | -0.05% | 0.37% | -2.69% | +66 bps | |
| Return on Equity | -48.03% | -31.48% | -0.77% | 4.91% | -37.73% | +1,030 bps | |
| Net Interest Margin | 3.79% | 4.03% | 3.86% | 4.52% | 5.37% | +158 bps | |
| Efficiency Ratio | 103.38% | 97.84% | 99.48% | 91.78% | 97.81% | -557 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.08% | -0.81% | -4.93% | -5.94% | -24.50% | -2,858 bps | |
| Loan Growth (YoY) | 3.16% | -2.75% | -5.68% | -3.47% | -7.49% | -1,065 bps | |
| Share Growth (YoY) | 7.32% | 1.51% | -2.77% | -5.19% | -26.01% | -3,332 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 2.93% | 3.05% | 4.14% | 3.79% | 4.75% | +181 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.99% | 7.71% | 7.10% | 7.60% | 7.14% | +15 bps | |
| Net Worth / Assets | 6.99% | 7.71% | 7.10% | 7.60% | 7.14% | +15 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |