West Point, MS · Charter 24886
NCUA · 2 branches
Q3 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.14% | -0.06% | -0.43% | -0.11% | 0.24% | 1.07% | 0.89% | 1.04% | +115 bps | |
| Return on Equity | 6.29% | -0.33% | -2.75% | -0.69% | 1.52% | 7.13% | 6.05% | 6.84% | +752 bps | |
| Net Interest Margin | 3.94% | 3.73% | 3.31% | 3.55% | 3.49% | 3.25% | 3.02% | 3.01% | -54 bps | |
| Efficiency Ratio | 74.51% | 96.05% | 102.49% | 95.13% | 89.71% | 76.48% | 79.11% | 76.12% | -1,901 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.49% | 2.22% | 11.21% | 11.28% | 15.89% | 17.86% | 11.27% | 12.02% | +74 bps | |
| Loan Growth (YoY) | 31.45% | 21.31% | 13.00% | 6.91% | 3.45% | 3.70% | -1.86% | 0.05% | -686 bps | |
| Share Growth (YoY) | -0.90% | 1.56% | 12.95% | 13.42% | 19.14% | 20.84% | 12.24% | 12.93% | -50 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.36% | 0.16% | 0.21% | 0.26% | 0.63% | 0.65% | 0.30% | 0.18% | -8 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 | 0.61% | 0.60% | 0.70% | 0.79% | 0.80% | 0.81% | 0.81% | 0.78% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.14% | 17.07% | 15.51% | 15.87% | 15.89% | 14.99% | 14.80% | 15.24% | -63 bps | |
| Net Worth / Assets | 18.14% | 17.07% | 15.51% | 15.87% | 15.89% | 14.99% | 14.80% | 15.24% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.83% | 71.40% | 67.52% | 68.18% | 66.71% | 61.27% | 59.04% | 60.41% | -777 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |