Sulphur, LA · Charter 9512
NCUA · 1 branch
Q1 2021
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.11% | 0.82% | 0.98% | 0.59% | -0.50% | -161 bps | |
| Return on Equity | 8.03% | 6.11% | 7.62% | 4.96% | -4.32% | -1,235 bps | |
| Net Interest Margin | 3.70% | 3.45% | 3.11% | 2.82% | 2.06% | -164 bps | |
| Efficiency Ratio | 63.58% | 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 / Loans | 1.21% | 0.74% | 0.79% | 1.39% | 1.41% | +19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.10% | 1.23% | 1.12% | 1.04% | 1.40% | +30 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.79% | 13.50% | 12.84% | 11.99% | 11.61% | -218 bps | |
| Net Worth / Assets | 13.79% | 13.50% | 12.84% | 11.99% | 11.61% | -218 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.39% | 51.32% | 45.78% | 41.90% | 39.72% | -1,467 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |