Jackson, MS · Charter 24891
NCUA · 3 branches
Q4 2019
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.45% | 0.39% | 0.42% | 0.31% | 0.24% | -22 bps | |
| Return on Equity | 3.62% | 3.14% | 3.33% | 2.51% | 1.86% | -177 bps | |
| Net Interest Margin | 2.02% | 1.85% | 1.89% | 1.88% | 1.92% | -10 bps | |
| Efficiency Ratio | 73.42% | 72.23% | 76.38% | 79.01% | 84.22% | +1,081 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.43% | 4.47% | 3.66% | 4.98% | 0.82% | -161 bps | |
| Loan Growth (YoY) | 16.83% | 25.89% | 15.42% | 15.28% | 5.31% | -1,151 bps | |
| Share Growth (YoY) | 2.25% | 4.41% | 3.47% | 5.26% | 0.63% | -162 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.46% | 0.44% | 0.07% | 0.03% | 0.05% | -41 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.28% | 0.28% | 0.24% | 0.24% | 0.24% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.56% | 12.29% | 12.57% | 12.45% | 12.69% | +13 bps | |
| Net Worth / Assets | 12.56% | 12.29% | 12.57% | 12.45% | 12.69% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 31.22% | 31.19% | 31.67% | 32.35% | 32.68% | +145 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |