Jackson, MS · Charter 24879
NCUA · 1 branch
Q1 2020
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 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.30% | 0.05% | 0.22% | 0.30% | 0.38% | 0.30% | 0.42% | +20 bps | |
| Return on Equity | 0.92% | 1.08% | 0.18% | 0.75% | 1.02% | 1.26% | 0.97% | 1.37% | +62 bps | |
| Net Interest Margin | 2.30% | 2.46% | 2.32% | 2.56% | 2.74% | 2.85% | 2.90% | 2.70% | +14 bps | |
| Efficiency Ratio | 84.03% | 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 / Loans | 0.46% | 0.00% | 0.12% | 0.19% | 0.00% | 0.00% | 0.00% | 0.00% | -19 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 | 0.66% | 0.83% | 0.77% | 0.70% | 0.74% | 0.76% | 0.78% | 0.75% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.71% | 27.91% | 27.86% | 28.96% | 29.71% | 30.46% | 30.93% | 30.52% | +156 bps | |
| Net Worth / Assets | 26.71% | 27.91% | 27.86% | 28.96% | 29.71% | 30.46% | 30.93% | 30.52% | +156 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 21.78% | 26.56% | 27.88% | 30.86% | 33.19% | 36.61% | 38.23% | 38.63% | +776 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |