Crowley, LA · Charter 9938
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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.
Crowley, LA · Charter 9938
Q2 2000
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.76% | 2.24% | 5.16% | -7.49% | -7.70% | -946 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 7.51% | 11.36% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 56.49% | 81.77% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 19.00% | 23.31% | 4.36% | 3.95% | -10.73% | -2,973 bps | |
| Loan Growth (YoY) | -5.50% | -5.48% | 2.29% | 14.67% | 23.70% | +2,920 bps | |
| Share Growth (YoY) | 18.31% | 24.73% | 13.62% | 13.45% | -1.01% | -1,931 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.12% | 10.41% | 9.02% | 20.82% | 23.08% | +1,296 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.77% | 6.06% | 6.99% | 18.11% | 14.72% | +994 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.69% | 79.24% | 83.11% | 96.79% | 108.32% | +2,163 bps | |
| Liquid Assets / Assets | 18.55% | 18.61% | 30.45% | 13.59% | 9.13% | -941 bps | |