Morton, MS · Charter 24273
NCUA · 2 branches
Q3 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.73% | -10.19% | -5.79% | -3.46% | -3.68% | -13.98% | -9.69% | -8.35% | -489 bps | |
| Return on Equity | -50.61% | -91.76% | -49.94% | -29.30% | -30.28% | -160.64% | -130.71% | -118.70% | -8,940 bps | |
| Net Interest Margin | 3.71% | 8.12% | 7.18% | 6.48% | 6.92% | 5.81% | 5.66% | 6.28% | -20 bps | |
| Efficiency Ratio | 147.16% | 269% | 193.72% | 174.94% | 151.69% | 177.16% | 200% | 175.73% | +79 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.46% | -43.28% | -48.65% | -41.64% | -40.83% | -15.04% | -9.25% | -16.83% | +2,481 bps | |
| Loan Growth (YoY) | -4.78% | -3.54% | -9.39% | -15.35% | -13.79% | -3.86% | 4.53% | 4.96% | +2,031 bps | |
| Share Growth (YoY) | -20.57% | -43.45% | -50.40% | -43.44% | -36.78% | -12.87% | -7.28% | -12.29% | +3,116 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.12% | 2.51% | 2.69% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 3.52% | 3.76% | 2.76% | 1.17% | 2.01% | 3.51% | 3.38% | 3.43% | +226 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.35% | 11.11% | 11.60% | 11.82% | 12.14% | 8.70% | 7.41% | 7.04% | -478 bps | |
| Net Worth / Assets | 9.35% | 11.11% | 11.60% | 11.82% | 12.14% | 8.70% | 7.41% | 7.04% | -478 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.69% | 54.18% | 54.55% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |