Jackson, MS · Charter 24585
NCUA · 7 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 | 0.51% | 0.46% | 0.48% | 0.58% | 0.64% | +13 bps | |
| Return on Equity | 4.03% | 3.66% | 3.69% | 4.42% | 4.84% | +81 bps | |
| Net Interest Margin | 3.43% | 3.48% | 4.04% | 4.01% | 4.06% | +63 bps | |
| Efficiency Ratio | 86.42% | 86.09% | 81.90% | 82.08% | 80.87% | -555 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.40% | 1.21% | -2.36% | -2.54% | -1.15% | -75 bps | |
| Loan Growth (YoY) | 2.43% | 4.22% | 2.89% | 1.71% | -1.66% | -408 bps | |
| Share Growth (YoY) | -1.37% | 0.63% | -3.88% | -4.05% | -2.18% | -81 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.48% | 0.52% | 0.50% | 0.45% | 0.59% | +11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.65% | 12.57% | 12.97% | 13.03% | 13.28% | +64 bps | |
| Net Worth / Assets | 12.65% | 12.57% | 12.97% | 13.03% | 13.28% | +64 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.51% | 62.81% | 63.67% | 62.98% | 62.84% | +34 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |