Jackson, MS · Charter 16568
NCUA · 2 branches
Q3 2019
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.05% | -0.27% | 0.03% | -0.13% | 0.74% | -0.80% | -0.79% | -82 bps | |
| Return on Equity | 0.54% | 0.27% | -1.38% | 0.19% | -0.80% | 3.91% | -4.29% | -3.77% | -395 bps | |
| Net Interest Margin | 3.52% | 3.52% | 3.71% | 2.95% | 2.94% | 3.94% | 3.73% | 4.23% | +128 bps | |
| Efficiency Ratio | 89.41% | 87.45% | 89.22% | 87.45% | 88.30% | 80.38% | 86.65% | 87.05% | -40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.82% | -4.12% | -6.28% | 13.79% | 19.74% | 0.03% | 4.54% | -25.30% | -3,909 bps | |
| Loan Growth (YoY) | 14.80% | 13.69% | 5.06% | 6.03% | -4.72% | -10.32% | -4.84% | -11.91% | -1,794 bps | |
| Share Growth (YoY) | -3.67% | -5.16% | -7.57% | 17.08% | 24.74% | 0.03% | 5.78% | -29.69% | -4,677 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.34% | 2.24% | 1.77% | 3.80% | 2.90% | 0.70% | 0.66% | 0.98% | -282 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.38% | 0.43% | 0.57% | 0.57% | 0.58% | 0.58% | 1.09% | 1.23% | +67 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.08% | 19.01% | 19.86% | 16.27% | 15.80% | 19.03% | 18.58% | 20.99% | +471 bps | |
| Net Worth / Assets | 19.08% | 19.01% | 19.86% | 16.27% | 15.80% | 19.03% | 18.58% | 20.99% | +471 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.75% | 57.90% | 60.48% | 47.05% | 43.35% | 51.91% | 54.41% | 58.95% | +1,190 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |