Westwego, LA · Charter 9916
Q3 2004
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | 0.25% | 0.22% | 0.02% | 0.00% | -25 bps | |
| Return on Equity | 2.29% | 2.30% | 2.01% | 0.19% | 0.01% | -228 bps | |
| Net Interest Margin | 2.79% | 2.80% | 2.63% | 2.63% | 2.66% | -14 bps | |
| Efficiency Ratio | 91.39% | 91.30% | 91.85% | 99.17% | 99.96% | +857 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.52% | -1.31% | -0.71% | -6.84% | -4.90% | -438 bps | |
| Loan Growth (YoY) | -24.45% | -27.26% | -23.97% | -26.33% | -27.67% | -322 bps | |
| Share Growth (YoY) | -0.68% | -1.47% | -0.84% | -7.47% | -5.31% | -463 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.37% | 0.68% | 1.62% | 2.97% | 8.87% | +851 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.49% | 0.56% | 0.57% | 0.63% | 0.68% | +19 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.76% | 10.83% | 10.87% | 11.37% | 11.38% | +62 bps | |
| Net Worth / Assets | 10.76% | 10.83% | 10.87% | 11.37% | 11.38% | +62 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.31% | 38.95% | 38.15% | 36.18% | 33.85% | -1,046 bps | |
| Liquid Assets / Assets | 57.82% | 62.55% | 51.20% | 65.15% | 67.08% | +926 bps | |