Perkinston, MS · Charter 18989
NCUA · 1 branch
Q3 2018
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.23% | -2.61% | -1.17% | -1.10% | -0.85% | -1.89% | -1.49% | -0.97% | +13 bps | |
| Return on Equity | -11.14% | -13.81% | -6.19% | -5.86% | -4.51% | -10.17% | -7.92% | -5.23% | +63 bps | |
| Net Interest Margin | 3.40% | 3.42% | 3.24% | 3.20% | 3.24% | 3.43% | 3.33% | 3.15% | -4 bps | |
| Efficiency Ratio | 97.71% | 125.58% | 122.77% | 114.17% | 107.78% | 119.53% | 113.27% | 106.75% | -742 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.31% | -5.78% | -5.67% | -2.75% | 1.08% | -2.17% | -4.32% | -2.49% | +26 bps | |
| Loan Growth (YoY) | -12.12% | -7.86% | -2.78% | -7.25% | -0.87% | -14.94% | -14.80% | -9.10% | -186 bps | |
| Share Growth (YoY) | -6.64% | -3.98% | -4.11% | -0.32% | 2.42% | -1.88% | -4.14% | -2.40% | -208 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.20% | 2.74% | 4.20% | 3.33% | 3.10% | 1.94% | 1.35% | 0.87% | -247 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 | 1.54% | 2.98% | 2.41% | 2.69% | 2.49% | 2.51% | 2.54% | 2.46% | -23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.00% | 18.88% | 18.93% | 18.72% | 18.93% | 18.63% | 18.78% | 18.45% | -27 bps | |
| Net Worth / Assets | 20.00% | 18.88% | 18.93% | 18.72% | 18.93% | 18.63% | 18.78% | 18.45% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.05% | 39.21% | 38.60% | 37.17% | 39.73% | 33.99% | 34.31% | 34.61% | -255 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |