University Medical Center
Jackson, MS · Charter 24585 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 7 branches
Q3 2024
$161.6MAssets
$86.6MLoans
$137.8MShares
$21.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 69% of credit unions under $1B in assets (rank 554 of 1761).
- Widest gap: efficiency ratio trails 60% of credit unions under $1B in assets (rank 1046 of 1754).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.64%
Rank 933 of 1,761
Net Interest Margin
4.06%
Rank 554 of 1,761
Efficiency Ratio
80.87%
Rank 1,046 of 1,754
Equity / Assets
13.28%
Rank 737 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.64% | 0.26% | 0.70% | 1.22% | Beats 47% | 933 / 1,761 | | |
| Return on Equity | 4.84% | 2.09% | 5.52% | 9.08% | Beats 45% | 960 / 1,761 | | |
| Net Interest Margin | 4.06% | 3.03% | 3.59% | 4.25% | Beats 69% | 554 / 1,761 | | |
| Efficiency Ratio | 80.87% | 68.95% | 77.94% | 87.14% | Beats 40% | 1,046 / 1,754 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.59% | 0.26% | 0.65% | 1.27% | Beats 53% | 825 / 1,757 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.28% | 10.05% | 12.42% | 15.87% | Beats 58% | 737 / 1,761 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.28% | 10.05% | 12.42% | 15.87% | Beats 58% | 737 / 1,761 | | |
| Liquidity & Funding |
| Loans / Deposits | 62.84% | 56.21% | 73.13% | 85.64% | 34th pctl | 1,167 / 1,759 | | |
| Loans / Assets | 53.59% | 47.85% | 62.48% | 73.19% | 34th pctl | 1,167 / 1,761 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |