PackageTrendsPeer
Letter portraitLegal landscape

Pascagoula City Employees

Pascagoula, MS · Charter 17206

Q3 2002

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 2002, the quarter ended September 30, 2002, 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

Pascagoula City Employees

Pascagoula, MS · Charter 17206

Q3 2002

$2.2MAssets
$841KLoans
$1.9MShares
$296KNet 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 -1.86%, down 233 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 7.69% of loans (+316 bps YoY).
  • Capital: net worth / assets of 13.35%, down 350 bps from a year ago.
  • Funding: loans stand at 43.78% of shares as of Q3 2002.

Financial Results

Return on Assets (YTD, annualized)

-1.86%-233 bps YoY

Net Interest Margin (YTD, annualized)

3.75%-115 bps YoY

Efficiency Ratio (YTD, annualized)

122.84%+3,280 bps YoY

Net Worth / Assets

13.35%-350 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2000Q2 2001Q4 2001Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets0.47%-0.80%-0.55%-2.08%-1.86%-233 bps
Return on Equity2.77%-5.45%-3.85%-15.79%-13.95%-1,671 bps
Net Interest Margin4.89%4.16%3.97%3.74%3.75%-115 bps
Efficiency Ratio90.04%108.86%108.04%119.87%122.84%+3,280 bps
Growth
Asset Growth (YoY)27.82%15.65%18.80%8.32%10.03%-1,779 bps
Loan Growth (YoY)1.29%-6.40%-9.48%-18.80%-26.46%-2,775 bps
Share Growth (YoY)30.90%17.00%23.37%14.09%14.85%-1,605 bps
Asset Quality
Delinquent Loans / Loans4.53%2.04%3.58%5.39%7.69%+316 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.26%0.91%1.26%3.02%2.56%+131 bps
Capital
Risk-Based Capital16.85%14.75%14.34%13.20%13.35%-350 bps
Net Worth / Assets16.85%14.75%14.34%13.20%13.35%-350 bps
Liquidity & Funding
Loans / Shares68.38%60.31%55.54%46.48%43.78%-2,459 bps
Liquid Assets / Assets42.11%37.43%38.01%43.71%50.14%+803 bps