Booneville, MS · Charter 24745
NCUA · 1 branch
Q1 2024
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 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.70% | -0.72% | -0.85% | -0.65% | -1.00% | -1.30% | -3.76% | -14.89% | -1,424 bps | |
| Return on Equity | -8.72% | -8.02% | -9.51% | -7.61% | -12.37% | -16.89% | -54.29% | -413% | -40,544 bps | |
| Net Interest Margin | 4.16% | 4.60% | 4.61% | 4.72% | 4.22% | 4.22% | 4.80% | 4.46% | -25 bps | |
| Efficiency Ratio | 116.03% | 114.74% | 117.31% | 112.20% | 121.51% | 128.27% | 164.99% | 206% | +9,419 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.37% | -21.79% | -23.82% | -18.43% | -10.42% | 0.56% | -7.65% | -14.29% | +414 bps | |
| Loan Growth (YoY) | -5.03% | -10.35% | -3.21% | -4.72% | -6.35% | -4.03% | -5.34% | -13.47% | -875 bps | |
| Share Growth (YoY) | -11.70% | -23.33% | -25.05% | -19.17% | -10.46% | 2.27% | -5.48% | -9.37% | +980 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.24% | 0.00% | 0.00% | 6.36% | 1.23% | 1.20% | 0.00% | 0 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 | 1.07% | 1.15% | 1.10% | 1.14% | 1.14% | 1.20% | 0.39% | 0.44% | -70 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.06% | 9.01% | 8.89% | 8.58% | 8.08% | 7.70% | 6.92% | 3.61% | -497 bps | |
| Net Worth / Assets | 8.06% | 9.01% | 8.89% | 8.58% | 8.08% | 7.70% | 6.92% | 3.61% | -497 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.97% | 90.98% | 96.09% | 91.22% | 88.88% | 85.37% | 96.23% | 87.10% | -412 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |