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Firestone Lake Charles

Sulphur, LA · Charter 9512

NCUA · 1 branch

Q1 2021

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: Q1 2021, the quarter ended March 31, 2021, 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

Firestone Lake Charles

Sulphur, LA · Charter 9512

NCUA · 1 branch

Q1 2021

$12.5MAssets
$4.4MLoans
$11.1MShares
$1.5MNet 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 -0.50%, down 161 bps year over year; NIM at 2.06%.
  • Asset quality: problem loans at 1.41% of loans (+19 bps YoY).
  • Capital: net worth / assets of 11.61%, down 218 bps from a year ago.
  • Funding: loans stand at 39.72% of shares as of Q1 2021.

Financial Results

Return on Assets (YTD, annualized)

-0.50%-161 bps YoY

Net Interest Margin (YTD, annualized)

2.06%-164 bps YoY

Efficiency Ratio (YTD, annualized)

103.11%+3,953 bps YoY

Net Worth / Assets

11.61%-218 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2020Q2 2020Q3 2020Q4 2020Q1 2021YoY ΔTrend
Earnings
Return on Assets1.11%0.82%0.98%0.59%-0.50%-161 bps
Return on Equity8.03%6.11%7.62%4.96%-4.32%-1,235 bps
Net Interest Margin3.70%3.45%3.11%2.82%2.06%-164 bps
Efficiency Ratio63.58%68.47%63.19%70.72%103.11%+3,953 bps
Growth
Asset Growth (YoY)-3.41%3.37%13.63%20.49%21.13%+2,454 bps
Loan Growth (YoY)20.98%13.74%3.71%1.21%-9.35%-3,033 bps
Share Growth (YoY)-4.19%2.85%14.56%22.88%24.13%+2,833 bps
Asset Quality
Delinquent Loans / Loans1.21%0.74%0.79%1.39%1.41%+19 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.10%1.23%1.12%1.04%1.40%+30 bps
Capital
Risk-Based Capital13.79%13.50%12.84%11.99%11.61%-218 bps
Net Worth / Assets13.79%13.50%12.84%11.99%11.61%-218 bps
Liquidity & Funding
Loans / Shares54.39%51.32%45.78%41.90%39.72%-1,467 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps