PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

La Belle Employees'

Oconomowoc, WI · Charter 66773

Q2 2014

$149KAssets
$45KLoans
$116KShares
$33KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.02%, down 27 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 29.71% of loans (+2,971 bps YoY).
  • Capital: net worth / assets of 22.03%, up 277 bps from a year ago.
  • Funding: loans stand at 39.16% of shares as of Q2 2014.

Financial Results

Return on Assets (quarter, annualized)

0.02%-27 bps YoY

Net Interest Margin (quarter, annualized)

3.75%-133 bps YoY

Efficiency Ratio (quarter, annualized)

53.09%-4,120 bps YoY

Net Worth / Assets

22.03%+277 bps YoY

Discrete quarter, annualized.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.29%0.25%0.02%0.55%0.02%-27 bps
Return on Equity1.52%1.31%0.09%2.55%0.09%-144 bps
Net Interest Margin5.08%4.91%5.79%4.50%3.75%-133 bps
Efficiency Ratio94.29%95.02%99.62%41.21%53.09%-4,120 bps
Growth
Asset Growth (YoY)4.56%0.64%-6.48%-9.89%-13.12%-1,768 bps
Loan Growth (YoY)0.34%-16.97%-28.29%-30.10%-34.86%-3,520 bps
Share Growth (YoY)5.67%0.62%-8.31%-12.27%-16.10%-2,177 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%29.71%+2,971 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.81%1.99%2.19%4.08%5.64%+383 bps
Capital
Risk-Based Capital19.26%18.84%23.31%21.62%22.03%+277 bps
Net Worth / Assets19.26%18.84%23.31%21.62%22.03%+277 bps
Liquidity & Funding
Loans / Shares50.44%44.56%53.30%42.21%39.16%-1,128 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps