Pine Bluff, AR · Charter 24423
NCUA · 1 branch
Q1 2025
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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 0.13% | -0.70% | -1.63% | -1.64% | -2.61% | -3.36% | -5.10% | -348 bps | |
| Return on Equity | 0.06% | 0.38% | -1.96% | -3.83% | -3.87% | -5.40% | -7.10% | -10.95% | -712 bps | |
| Net Interest Margin | 7.04% | 6.83% | 6.62% | 8.03% | 7.33% | 7.79% | 7.36% | 5.80% | -223 bps | |
| Efficiency Ratio | 99.74% | 98.25% | 109.43% | 118.49% | 120.12% | 130.13% | 140.22% | 182.02% | +6,353 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.98% | 0.65% | 0.68% | -18.55% | -20.10% | -31.68% | -29.46% | -16.40% | +216 bps | |
| Loan Growth (YoY) | -6.47% | -10.79% | -8.05% | -21.98% | -29.41% | -25.17% | -29.96% | -29.83% | -785 bps | |
| Share Growth (YoY) | -3.94% | 1.70% | 2.34% | -27.35% | -29.09% | -45.98% | -42.75% | -24.00% | +335 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.94% | 0.00% | 0.00% | 0.00% | 0.13% | 0.00% | 1.30% | 1.48% | +148 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 | 0.41% | 0.62% | 0.82% | 1.13% | 1.38% | 1.59% | 2.03% | 2.58% | +145 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 35.18% | 35.07% | 35.72% | 42.44% | 42.35% | 48.24% | 47.28% | 46.57% | +414 bps | |
| Net Worth / Assets | 35.18% | 35.07% | 35.72% | 42.44% | 42.35% | 48.24% | 47.28% | 46.57% | +414 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 131.64% | 120.03% | 121.04% | 141.54% | 131.04% | 166.26% | 148.09% | 130.67% | -1,087 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |