Olive Branch, MS · Charter 24890
NCUA · 1 branch
Q3 2023
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 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.84% | 1.18% | -0.03% | 0.40% | 0.35% | 0.30% | 0.94% | 0.91% | +51 bps | |
| Return on Equity | 10.37% | 6.57% | -0.18% | 2.22% | 1.89% | 1.55% | 4.73% | 4.48% | +226 bps | |
| Net Interest Margin | 2.88% | 2.86% | 2.48% | 2.39% | 2.46% | 2.46% | 2.67% | 2.67% | +28 bps | |
| Efficiency Ratio | 56.22% | 58.11% | 63.17% | 62.50% | 63.15% | 71.67% | 62.89% | 64.09% | +159 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.00% | 1.16% | 0.16% | 1.24% | -2.35% | -4.27% | -4.66% | -8.25% | -949 bps | |
| Loan Growth (YoY) | -0.66% | -3.12% | -4.76% | -0.96% | 4.03% | 8.55% | 17.58% | 20.73% | +2,169 bps | |
| Share Growth (YoY) | 1.30% | -0.55% | -0.94% | 0.48% | -3.29% | -5.36% | -6.69% | -10.60% | -1,108 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.05% | 2.81% | 1.49% | 1.61% | 1.81% | 0.74% | 2.87% | 2.62% | +101 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 | 1.52% | 1.44% | 1.70% | 1.50% | 1.88% | 0.00% | 0.00% | 0.00% | -150 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.77% | 18.02% | 18.00% | 17.89% | 18.55% | 19.15% | 19.94% | 20.22% | +233 bps | |
| Net Worth / Assets | 17.77% | 18.02% | 18.00% | 17.89% | 18.55% | 19.15% | 19.94% | 20.22% | +233 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.43% | 35.42% | 36.53% | 35.99% | 40.26% | 40.62% | 46.03% | 48.60% | +1,261 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |