Morton, MS · Charter 24273
NCUA · 2 branches
Q3 2024
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.46% | -3.68% | -13.98% | -9.69% | -8.35% | -489 bps | |
| Return on Equity | -29.30% | -30.28% | -160.64% | -130.71% | -118.70% | -8,940 bps | |
| Net Interest Margin | 6.48% | 6.92% | 5.81% | 5.66% | 6.28% | -20 bps | |
| Efficiency Ratio | 174.94% | 151.69% | 177.16% | 200% | 175.73% | +79 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -41.64% | -40.83% | -15.04% | -9.25% | -16.83% | +2,481 bps | |
| Loan Growth (YoY) | -15.35% | -13.79% | -3.86% | 4.53% | 4.96% | +2,031 bps | |
| Share Growth (YoY) | -43.44% | -36.78% | -12.87% | -7.28% | -12.29% | +3,116 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.89% | 4.91% | 0.11% | 2.17% | 1.61% | -228 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.17% | 2.01% | 3.51% | 3.38% | 3.43% | +226 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.82% | 12.14% | 8.70% | 7.41% | 7.04% | -478 bps | |
| Net Worth / Assets | 11.82% | 12.14% | 8.70% | 7.41% | 7.04% | -478 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.12% | 66.40% | 59.78% | 61.50% | 63.56% | +1,044 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |