Ellisville, MS · Charter 24900
NCUA · 1 branch
Q3 2021
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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 2.33% | 2.16% | 2.08% | 1.78% | 1.55% | -78 bps | |
| Efficiency Ratio | 102.97% | 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 / Loans | 0.00% | 0.32% | 0.09% | 0.53% | 3.51% | +351 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.69% | 0.44% | 0.57% | 0.65% | 1.01% | +33 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.71% | 24.41% | 24.50% | 23.61% | 23.06% | -66 bps | |
| Net Worth / Assets | 23.71% | 24.41% | 24.50% | 23.61% | 23.06% | -66 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 9.49% | 17.00% | 14.25% | 11.07% | 6.99% | -250 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |