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Junior College

Perkinston, MS · Charter 18989

NCUA · 1 branch

Q3 2018

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 2018, the quarter ended September 30, 2018, 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

Junior College

Perkinston, MS · Charter 18989

NCUA · 1 branch

Q3 2018

$1.6MAssets
$457KLoans
$1.3MShares
$300KNet 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 -0.97%, up 13 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.87% of loans (-247 bps YoY).
  • Capital: net worth / assets of 18.45%, down 27 bps from a year ago.
  • Funding: loans stand at 34.61% of shares as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

-0.97%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.15%-4 bps YoY

Efficiency Ratio (YTD, annualized)

106.75%-742 bps YoY

Net Worth / Assets

18.45%-27 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets-1.10%-0.85%-1.89%-1.49%-0.97%+13 bps
Return on Equity-5.86%-4.51%-10.17%-7.92%-5.23%+63 bps
Net Interest Margin3.20%3.24%3.43%3.33%3.15%-4 bps
Efficiency Ratio114.17%107.78%119.53%113.27%106.75%-742 bps
Growth
Asset Growth (YoY)-2.75%1.08%-2.17%-4.32%-2.49%+26 bps
Loan Growth (YoY)-7.25%-0.87%-14.94%-14.80%-9.10%-186 bps
Share Growth (YoY)-0.32%2.42%-1.88%-4.14%-2.40%-208 bps
Asset Quality
Delinquent Loans / Loans3.33%3.10%1.94%1.35%0.87%-247 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.69%2.49%2.51%2.54%2.46%-23 bps
Capital
Risk-Based Capital18.72%18.93%18.63%18.78%18.45%-27 bps
Net Worth / Assets18.72%18.93%18.63%18.78%18.45%-27 bps
Liquidity & Funding
Loans / Shares37.17%39.73%33.99%34.31%34.61%-255 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps