Hattiesburg, MS · Charter 16259
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Hattiesburg, MS · Charter 16259
NCUA
Q1 2016
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.64% | -0.50% | -0.18% | 0.01% | -0.15% | +49 bps | |
| Return on Equity | -8.02% | -6.28% | -2.24% | 0.14% | -1.76% | +626 bps | |
| Net Interest Margin | 3.13% | 3.02% | 3.24% | 3.41% | 3.60% | +47 bps | |
| Efficiency Ratio | 119.09% | 106.25% | 98.36% | 94.82% | 101.60% | -1,749 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.24% | 4.77% | -2.99% | -4.70% | -2.62% | -686 bps | |
| Loan Growth (YoY) | -9.79% | 2.74% | 1.32% | 3.43% | 5.02% | +1,481 bps | |
| Share Growth (YoY) | 4.73% | 5.81% | -2.91% | -5.09% | -3.10% | -783 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.97% | 0.95% | 0.15% | 0.04% | 1.11% | +14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.56% | 1.00% | 1.13% | 1.12% | 1.14% | +58 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.98% | 7.91% | 8.20% | 8.49% | 8.38% | +40 bps | |
| Net Worth / Assets | 7.98% | 7.91% | 8.20% | 8.49% | 8.38% | +40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.34% | 34.16% | 35.08% | 36.34% | 32.89% | +254 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |