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Mid Delta

Indianola, MS · Charter 24884

NCUA · 3 branches

Q4 2022

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: Q4 2022, the quarter ended December 31, 2022, 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 2026-10-10

Mid Delta

Indianola, MS · Charter 24884

NCUA · 3 branches

Q4 2022

$2.4MAssets
$715KLoans
$1.9MShares
$556KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.04%, up 7 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 0.12% of loans (-16 bps YoY).
  • Capital: net worth / assets of 22.92%, up 61 bps from a year ago.
  • Funding: loans stand at 38.28% of shares as of Q4 2022.

Financial Results

Return on Assets (YTD, annualized)

0.04%+7 bps YoY

Net Interest Margin (YTD, annualized)

2.84%-17 bps YoY

Efficiency Ratio (YTD, annualized)

93.54%-769 bps YoY

Net Worth / Assets

22.92%+61 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets-0.03%-0.02%0.16%0.01%0.04%+7 bps
Return on Equity-0.12%-0.11%0.71%0.05%0.18%+30 bps
Net Interest Margin3.02%2.72%2.76%2.81%2.84%-17 bps
Efficiency Ratio101.23%102.59%92.33%91.41%93.54%-769 bps
Growth
Asset Growth (YoY)16.12%8.91%2.54%-3.15%-2.48%-1,860 bps
Loan Growth (YoY)10.19%-2.43%-18.43%-23.19%-9.47%-1,965 bps
Share Growth (YoY)21.81%11.64%3.36%-3.96%-3.16%-2,497 bps
Asset Quality
Delinquent Loans / Loans0.29%1.89%0.54%0.12%0.12%-16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.11%1.28%1.34%1.60%1.13%+3 bps
Capital
Risk-Based Capital22.31%22.04%22.12%22.13%22.92%+61 bps
Net Worth / Assets22.31%22.04%22.12%22.13%22.92%+61 bps
Liquidity & Funding
Loans / Shares40.95%34.41%33.91%32.30%38.28%-267 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps