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Ellisville State School Employees

Ellisville, MS · Charter 24900

NCUA · 1 branch

Q3 2021

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: Q3 2021, the quarter ended September 30, 2021, 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 2026-10-11

Ellisville State School Employees

Ellisville, MS · Charter 24900

NCUA · 1 branch

Q3 2021

$2.4MAssets
$131KLoans
$1.9MShares
$564KNet 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 -0.83%, down 74 bps year over year; NIM at 1.55%.
  • Asset quality: problem loans at 3.51% of loans (+351 bps YoY).
  • Capital: net worth / assets of 23.06%, down 66 bps from a year ago.
  • Funding: loans stand at 6.99% of shares as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

-0.83%-74 bps YoY

Net Interest Margin (YTD, annualized)

1.55%-78 bps YoY

Efficiency Ratio (YTD, annualized)

148.56%+4,560 bps YoY

Net Worth / Assets

23.06%-66 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets-0.09%-0.24%-0.50%-0.64%-0.83%-74 bps
Return on Equity-0.38%-1.00%-2.03%-2.72%-3.59%-321 bps
Net Interest Margin2.33%2.16%2.08%1.78%1.55%-78 bps
Efficiency Ratio102.97%108.88%119.16%133.20%148.56%+4,560 bps
Growth
Asset Growth (YoY)9.37%6.77%2.29%0.32%-0.56%-993 bps
Loan Growth (YoY)-37.73%-24.70%-21.71%-24.30%-26.14%+1,160 bps
Share Growth (YoY)12.60%9.58%6.54%1.22%0.31%-1,229 bps
Asset Quality
Delinquent Loans / Loans0.00%0.32%0.09%0.53%3.51%+351 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.69%0.44%0.57%0.65%1.01%+33 bps
Capital
Risk-Based Capital23.71%24.41%24.50%23.61%23.06%-66 bps
Net Worth / Assets23.71%24.41%24.50%23.61%23.06%-66 bps
Liquidity & Funding
Loans / Shares9.49%17.00%14.25%11.07%6.99%-250 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps