PackageTrendsPeer
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Miller Transporters Employees

Jackson, MS · Charter 16568

NCUA · 2 branches

Q3 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2019, the quarter ended September 30, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Miller Transporters Employees

Jackson, MS · Charter 16568

NCUA · 2 branches

Q3 2019

$2.8MAssets
$1.3MLoans
$2.2MShares
$593KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.79%, down 82 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 0.98% of loans (-282 bps YoY).
  • Capital: net worth / assets of 20.99%, up 471 bps from a year ago.
  • Funding: loans stand at 58.95% of shares as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

-0.79%-82 bps YoY

Net Interest Margin (YTD, annualized)

4.23%+128 bps YoY

Efficiency Ratio (YTD, annualized)

87.05%-40 bps YoY

Net Worth / Assets

20.99%+471 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets0.03%-0.13%0.74%-0.80%-0.79%-82 bps
Return on Equity0.19%-0.80%3.91%-4.29%-3.77%-395 bps
Net Interest Margin2.95%2.94%3.94%3.73%4.23%+128 bps
Efficiency Ratio87.45%88.30%80.38%86.65%87.05%-40 bps
Growth
Asset Growth (YoY)13.79%19.74%0.03%4.54%-25.30%-3,909 bps
Loan Growth (YoY)6.03%-4.72%-10.32%-4.84%-11.91%-1,794 bps
Share Growth (YoY)17.08%24.74%0.03%5.78%-29.69%-4,677 bps
Asset Quality
Delinquent Loans / Loans3.80%2.90%0.70%0.66%0.98%-282 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.57%0.58%0.58%1.09%1.23%+67 bps
Capital
Risk-Based Capital16.27%15.80%19.03%18.58%20.99%+471 bps
Net Worth / Assets16.27%15.80%19.03%18.58%20.99%+471 bps
Liquidity & Funding
Loans / Shares47.05%43.35%51.91%54.41%58.95%+1,190 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps