New Orleans, LA · Charter 65659
NCUA · 2 branches
Q1 2017
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.12% | -2.75% | -2.82% | -3.26% | -3.25% | -6.55% | -6.59% | -18.47% | -1,521 bps | |
| Return on Equity | -18.41% | -16.18% | -16.79% | -21.13% | -22.01% | -57.69% | -63.06% | -311% | -28,952 bps | |
| Net Interest Margin | 4.27% | 4.49% | 4.75% | 4.58% | 4.61% | 4.65% | 4.77% | 4.48% | -11 bps | |
| Efficiency Ratio | 147.28% | 139.06% | 137.86% | 145.11% | 146.50% | 191.45% | 187.69% | 355% | +21,002 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.91% | -9.80% | -2.93% | -3.18% | -3.25% | -0.19% | -1.34% | -5.69% | -251 bps | |
| Loan Growth (YoY) | 16.46% | 17.58% | 16.69% | 16.30% | 7.62% | -0.54% | -2.97% | -9.21% | -2,551 bps | |
| Share Growth (YoY) | -8.08% | -8.88% | -0.91% | -0.96% | -0.65% | 4.00% | 3.04% | 4.35% | +532 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.83% | 1.44% | 0.90% | 0.44% | 0.07% | 3.00% | 6.31% | 6.91% | +648 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 | 1.64% | 1.64% | 1.14% | 1.22% | 1.05% | 0.99% | 1.05% | 1.31% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.94% | 16.97% | 16.81% | 15.43% | 14.75% | 11.35% | 10.45% | 5.94% | -948 bps | |
| Net Worth / Assets | 16.94% | 16.97% | 16.81% | 15.43% | 14.75% | 11.35% | 10.45% | 5.94% | -948 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.13% | 74.49% | 76.70% | 72.82% | 73.80% | 71.23% | 72.23% | 63.35% | -947 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |