PackageTrendsPeer
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Valley Gas Employees

Jackson, MS · Charter 24879

NCUA · 1 branch

Q1 2020

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2020, the quarter ended March 31, 2020, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Valley Gas Employees

Jackson, MS · Charter 24879

NCUA · 1 branch

Q1 2020

$5.0MAssets
$1.3MLoans
$3.5MShares
$1.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.42%, up 20 bps year over year; NIM at 2.70%.
  • Asset quality: problem loans at 0.00% of loans (-19 bps YoY).
  • Capital: net worth / assets of 30.52%, up 156 bps from a year ago.
  • Funding: loans stand at 38.63% of shares as of Q1 2020.

Return on Assets (YTD, annualized)

0.42%+20 bps YoY

Net Interest Margin (YTD, annualized)

2.70%+14 bps YoY

Efficiency Ratio (YTD, annualized)

84.64%-430 bps YoY

Net Worth / Assets

30.52%+156 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2018Q3 2018Q4 2018Q1 2019Q2 2019Q3 2019Q4 2019Q1 2020YoY ΔTrend
Earnings
Return on Assets0.25%0.30%0.05%0.22%0.30%0.38%0.30%0.42%+20 bps
Return on Equity0.92%1.08%0.18%0.75%1.02%1.26%0.97%1.37%+62 bps
Net Interest Margin2.30%2.46%2.32%2.56%2.74%2.85%2.90%2.70%+14 bps
Efficiency Ratio84.03%77.72%89.36%88.94%84.04%82.73%86.47%84.64%-430 bps
Growth
Asset Growth (YoY)-3.63%-5.37%-5.67%-7.89%-9.90%-8.09%-9.04%-4.04%+384 bps
Loan Growth (YoY)3.01%6.61%19.69%23.53%31.69%22.22%19.71%17.55%-598 bps
Share Growth (YoY)-5.13%-7.51%-7.99%-10.85%-13.55%-11.35%-12.71%-6.08%+477 bps
Asset Quality
Delinquent Loans / Loans0.46%0.00%0.12%0.19%0.00%0.00%0.00%0.00%-19 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.66%0.83%0.77%0.70%0.74%0.76%0.78%0.75%+5 bps
Capital
Risk-Based Capital26.71%27.91%27.86%28.96%29.71%30.46%30.93%30.52%+156 bps
Net Worth / Assets26.71%27.91%27.86%28.96%29.71%30.46%30.93%30.52%+156 bps
Liquidity & Funding
Loans / Shares21.78%26.56%27.88%30.86%33.19%36.61%38.23%38.63%+776 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps