Indianola, MS · Charter 24884
NCUA · 3 branches
Q4 2022
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 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.55% | 0.21% | 0.00% | -0.03% | -0.02% | 0.16% | 0.01% | 0.04% | +7 bps | |
| Return on Equity | -2.29% | 0.94% | -0.01% | -0.12% | -0.11% | 0.71% | 0.05% | 0.18% | +30 bps | |
| Net Interest Margin | 3.44% | 3.01% | 2.91% | 3.02% | 2.72% | 2.76% | 2.81% | 2.84% | -17 bps | |
| Efficiency Ratio | 102.30% | 101.41% | 101.44% | 101.23% | 102.59% | 92.33% | 91.41% | 93.54% | -769 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.54% | 16.66% | 17.66% | 16.12% | 8.91% | 2.54% | -3.15% | -2.48% | -1,860 bps | |
| Loan Growth (YoY) | -15.53% | 9.16% | 8.64% | 10.19% | -2.43% | -18.43% | -23.19% | -9.47% | -1,965 bps | |
| Share Growth (YoY) | 29.31% | 22.55% | 23.65% | 21.81% | 11.64% | 3.36% | -3.96% | -3.16% | -2,497 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.06% | 0.25% | 0.29% | 1.89% | 0.54% | 0.12% | 0.12% | -16 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 | 2.34% | 1.03% | 1.32% | 1.11% | 1.28% | 1.34% | 1.60% | 1.13% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.90% | 22.74% | 21.45% | 22.31% | 22.04% | 22.12% | 22.13% | 22.92% | +61 bps | |
| Net Worth / Assets | 23.90% | 22.74% | 21.45% | 22.31% | 22.04% | 22.12% | 22.13% | 22.92% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.37% | 42.97% | 40.39% | 40.95% | 34.41% | 33.91% | 32.30% | 38.28% | -267 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |