Columbus, MS · Charter 11367
NCUA · 1 branch
Q2 2016
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.79% | -0.57% | -0.72% | -1.36% | -1.61% | -82 bps | |
| Return on Equity | -8.37% | -5.94% | -7.76% | -15.92% | -19.10% | -1,073 bps | |
| Net Interest Margin | 2.40% | 2.39% | 2.35% | 2.06% | 2.12% | -28 bps | |
| Efficiency Ratio | 104.85% | 103.89% | 109.64% | 141.76% | 146.97% | +4,212 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.82% | 0.26% | 3.45% | 0.01% | -1.48% | -329 bps | |
| Loan Growth (YoY) | -6.14% | -13.02% | -16.93% | -16.78% | -15.49% | -935 bps | |
| Share Growth (YoY) | 2.20% | 0.49% | 4.39% | 0.86% | -0.60% | -280 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.93% | 0.36% | 0.06% | 0.02% | 0.83% | -110 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.46% | 1.30% | 0.99% | 1.06% | 1.08% | -38 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.43% | 9.66% | 9.24% | 8.53% | 8.45% | -98 bps | |
| Net Worth / Assets | 9.43% | 9.66% | 9.24% | 8.53% | 8.45% | -98 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.97% | 35.08% | 32.49% | 28.78% | 29.73% | -524 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |