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Crescent

Metairie, LA · Charter 7173

Q4 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2013, the quarter ended December 31, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Crescent

Metairie, LA · Charter 7173

Q4 2013

$1.6MAssets
$668KLoans
$1.4MShares
$199KNet 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 -5.27%, down 213 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 1.49% of loans (-238 bps YoY).
  • Capital: net worth / assets of 12.16%, down 523 bps from a year ago.
  • Funding: loans stand at 46.55% of shares as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

-5.27%-213 bps YoY

Net Interest Margin (YTD, annualized)

2.80%-64 bps YoY

Efficiency Ratio (YTD, annualized)

254%+6,744 bps YoY

Net Worth / Assets

12.16%-523 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets-3.14%-5.91%-4.54%-4.80%-5.27%-213 bps
Return on Equity-18.04%-36.81%-29.18%-34.86%-43.35%-2,532 bps
Net Interest Margin3.44%3.10%3.04%2.91%2.80%-64 bps
Efficiency Ratio186.81%217%209%230%254%+6,744 bps
Growth
Asset Growth (YoY)7.45%9.05%-4.94%0.95%-0.22%-768 bps
Loan Growth (YoY)-18.93%-18.66%-19.80%-23.34%-20.46%-152 bps
Share Growth (YoY)13.99%16.89%-1.56%6.99%6.30%-768 bps
Asset Quality
Delinquent Loans / Loans3.87%3.29%2.45%2.22%1.49%-238 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.00%1.16%1.21%1.25%1.35%+35 bps
Capital
Risk-Based Capital17.39%16.04%15.55%13.76%12.16%-523 bps
Net Worth / Assets17.39%16.04%15.55%13.76%12.16%-523 bps
Liquidity & Funding
Loans / Shares62.22%58.96%56.62%50.93%46.55%-1,566 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps