Hattiesburg, MS · Charter 14193
NCUA · 1 branch
Q1 2024
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 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.20% | -2.61% | -1.27% | -1.70% | -4.74% | +46 bps | |
| Return on Equity | -86.34% | -42.89% | -19.00% | -29.30% | -97.93% | -1,159 bps | |
| Net Interest Margin | 9.94% | 8.98% | 8.91% | 8.39% | 8.18% | -176 bps | |
| Efficiency Ratio | 101.82% | 101.57% | 115.15% | 119.54% | 136.41% | +3,459 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -15.52% | -10.95% | -8.58% | -6.55% | -6.05% | +947 bps | |
| Loan Growth (YoY) | 22.03% | -13.13% | -10.81% | -4.41% | 1.06% | -2,097 bps | |
| Share Growth (YoY) | -15.08% | -9.36% | -7.50% | -5.30% | -3.46% | +1,163 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.36% | 0.14% | 1.37% | 3.83% | 3.94% | +359 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.53% | 1.64% | 0.99% | 0.66% | 0.81% | -72 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.02% | 6.09% | 6.71% | 5.81% | 4.84% | -118 bps | |
| Net Worth / Assets | 6.02% | 6.09% | 6.71% | 5.81% | 4.84% | -118 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.56% | 81.11% | 84.77% | 86.32% | 83.29% | +373 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |