PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

University Medical Center

Jackson, MS · Charter 24585

NCUA · 7 branches

Q3 2024

$161.6MAssets
$86.6MLoans
$137.8MShares
$21.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.64%, up 13 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.59% of loans (+11 bps YoY).
  • Capital: net worth / assets of 13.28%, up 64 bps from a year ago.
  • Funding: loans stand at 62.84% of shares as of Q3 2024.

Return on Assets (YTD, annualized)

0.64%+13 bps YoY

Net Interest Margin (YTD, annualized)

4.06%+63 bps YoY

Efficiency Ratio (YTD, annualized)

80.87%-555 bps YoY

Net Worth / Assets

13.28%+64 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2022Q1 2023Q2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024YoY ΔTrend
Earnings
Return on Assets0.81%0.59%0.64%0.51%0.46%0.48%0.58%0.64%+13 bps
Return on Equity6.55%4.80%5.16%4.03%3.66%3.69%4.42%4.84%+81 bps
Net Interest Margin3.05%3.37%3.33%3.43%3.48%4.04%4.01%4.06%+63 bps
Efficiency Ratio83.66%88.14%85.74%86.42%86.09%81.90%82.08%80.87%-555 bps
Growth
Asset Growth (YoY)0.18%-1.85%-1.44%-0.40%1.21%-2.36%-2.54%-1.15%-75 bps
Loan Growth (YoY)4.36%3.39%0.65%2.43%4.22%2.89%1.71%-1.66%-408 bps
Share Growth (YoY)-0.95%-3.02%-2.66%-1.37%0.63%-3.88%-4.05%-2.18%-81 bps
Asset Quality
Delinquent Loans / Loans0.62%0.26%0.32%0.48%0.52%0.50%0.45%0.59%+11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.50%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.33%12.31%12.36%12.65%12.57%12.97%13.03%13.28%+64 bps
Net Worth / Assets12.33%12.31%12.36%12.65%12.57%12.97%13.03%13.28%+64 bps
Liquidity & Funding
Loans / Shares60.64%59.48%59.42%62.51%62.81%63.67%62.98%62.84%+34 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps