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B & W Miss. Employees

West Point, MS · Charter 21358

NCUA · 1 branch

Q1 2017

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: Q1 2017, the quarter ended March 31, 2017, 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

B & W Miss. Employees

West Point, MS · Charter 21358

NCUA · 1 branch

Q1 2017

$7.0MAssets
$1.6MLoans
$5.9MShares
$1.0MNet 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 -26.36%, down 2,587 bps year over year; NIM at -9.16%.
  • Asset quality: problem loans at 0.34% of loans (+34 bps YoY).
  • Capital: net worth / assets of 14.56%, down 615 bps from a year ago.
  • Funding: loans stand at 26.91% of shares as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

-26.36%-2,587 bps YoY

Net Interest Margin (YTD, annualized)

-9.16%-1,128 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

14.56%-615 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets-0.49%-0.81%-0.90%-1.00%-26.36%-2,587 bps
Return on Equity-2.36%-3.92%-4.29%-4.87%-181.01%-17,865 bps
Net Interest Margin2.12%2.06%2.05%1.95%-9.16%-1,128 bps
Efficiency Ratio122.34%138.34%142.34%149.21%n/an/a
Growth
Asset Growth (YoY)-8.73%-8.53%-6.24%-5.33%-6.07%+265 bps
Loan Growth (YoY)-7.41%-17.90%-23.59%-23.78%-23.24%-1,583 bps
Share Growth (YoY)-10.24%-9.89%-6.87%-5.51%1.06%+1,130 bps
Asset Quality
Delinquent Loans / Loans0.00%0.10%0.58%0.74%0.34%+34 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.39%0.44%0.36%0.33%0.34%-5 bps
Capital
Risk-Based Capital20.71%20.77%20.92%20.47%14.56%-615 bps
Net Worth / Assets20.71%20.77%20.92%20.47%14.56%-615 bps
Liquidity & Funding
Loans / Shares35.43%32.05%30.90%28.85%26.91%-852 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps