Harvey, LA · Charter 9060
NCUA · 1 branch
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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.
Harvey, LA · Charter 9060
NCUA · 1 branch
Q3 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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | -0.40% | -0.01% | -0.29% | -0.68% | -0.47% | -0.97% | -1.57% | -129 bps | |
| Return on Equity | 0.45% | -4.47% | -0.11% | -3.14% | -7.74% | -5.07% | -9.56% | -15.49% | -1,236 bps | |
| Net Interest Margin | 2.47% | 2.04% | 2.22% | 2.16% | 2.12% | 1.89% | 2.00% | 2.08% | -8 bps | |
| Efficiency Ratio | 98.47% | 117.74% | 100.40% | 112.18% | 129.64% | 123.19% | 144.96% | 170.10% | +5,792 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.53% | -10.73% | -9.34% | -5.47% | -4.39% | -11.98% | -21.47% | -23.52% | -1,805 bps | |
| Loan Growth (YoY) | 21.24% | -3.65% | -8.99% | -20.22% | -19.21% | -20.79% | -25.43% | -25.66% | -544 bps | |
| Share Growth (YoY) | -13.59% | -11.54% | -10.07% | -5.96% | -4.05% | -12.47% | -22.55% | -24.48% | -1,852 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 14.60% | 8.45% | 14.50% | 16.12% | 16.91% | 15.13% | 18.38% | 21.98% | +586 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 | 7.08% | 7.52% | 7.82% | 7.27% | 7.77% | 8.31% | 9.43% | 6.73% | -54 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.06% | 8.89% | 8.96% | 9.12% | 8.79% | 9.36% | 10.11% | 10.15% | +103 bps | |
| Net Worth / Assets | 9.06% | 8.89% | 8.96% | 9.12% | 8.79% | 9.36% | 10.11% | 10.15% | +103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.17% | 35.65% | 34.69% | 32.87% | 31.30% | 32.26% | 33.40% | 32.36% | -52 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |