Alexandria, LA · Charter 7041
NCUA · 1 branch
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 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.
Alexandria, LA · Charter 7041
NCUA · 1 branch
Q1 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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.41% | -2.29% | 0.60% | -3.16% | -5.27% | -4.48% | -4.34% | -75.54% | -7,238 bps | |
| Return on Equity | -8.88% | -8.43% | 2.13% | -14.38% | -24.41% | -21.48% | -21.07% | -898% | -88,361 bps | |
| Net Interest Margin | 5.31% | 5.47% | 5.32% | 4.05% | 4.34% | 4.58% | 4.51% | 6.87% | +282 bps | |
| Efficiency Ratio | 142.28% | 139.22% | 89.51% | 174.38% | 177.43% | 168.27% | 172.65% | 127.48% | -4,690 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.21% | -6.67% | -2.00% | 17.43% | 12.00% | 14.21% | 11.99% | -31.13% | -4,857 bps | |
| Loan Growth (YoY) | -3.31% | 3.28% | 2.33% | 3.02% | 5.00% | 1.34% | 7.91% | -16.15% | -1,917 bps | |
| Share Growth (YoY) | -0.24% | -1.02% | -2.65% | 25.98% | 20.71% | 24.32% | 23.13% | -18.74% | -4,472 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 1.73% | 2.83% | 0.21% | 4.45% | 6.53% | 29.00% | 15.87% | +1,566 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 | 3.59% | 3.41% | 0.88% | 0.45% | 0.04% | 0.05% | 0.22% | 1.46% | +100 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.17% | 27.20% | 27.93% | 21.97% | 21.60% | 20.87% | 20.60% | 8.41% | -1,356 bps | |
| Net Worth / Assets | 27.17% | 27.20% | 27.93% | 21.97% | 21.60% | 20.87% | 20.60% | 8.41% | -1,356 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.99% | 109.69% | 108.92% | 80.54% | 88.72% | 89.42% | 95.46% | 83.11% | +257 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |