Ellisville, MS · Charter 24900
NCUA · 1 branch
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 | 0.29% | 0.32% | 0.05% | -0.09% | -0.24% | -0.50% | -0.64% | -0.83% | -74 bps | |
| Return on Equity | 1.11% | 1.25% | 0.21% | -0.38% | -1.00% | -2.03% | -2.72% | -3.59% | -321 bps | |
| Net Interest Margin | 2.84% | 3.03% | 2.59% | 2.33% | 2.16% | 2.08% | 1.78% | 1.55% | -78 bps | |
| Efficiency Ratio | 90.65% | 85.87% | 96.24% | 102.97% | 108.88% | 119.16% | 133.20% | 148.56% | +4,560 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.06% | -0.23% | 6.40% | 9.37% | 6.77% | 2.29% | 0.32% | -0.56% | -993 bps | |
| Loan Growth (YoY) | -10.54% | -9.56% | -20.85% | -37.73% | -24.70% | -21.71% | -24.30% | -26.14% | +1,160 bps | |
| Share Growth (YoY) | -3.52% | -0.53% | 8.51% | 12.60% | 9.58% | 6.54% | 1.22% | 0.31% | -1,229 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.18% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.31% | 0.48% | 0.57% | 0.69% | 0.44% | 0.57% | 0.65% | 1.01% | +33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.33% | 25.52% | 24.28% | 23.71% | 24.41% | 24.50% | 23.61% | 23.06% | -66 bps | |
| Net Worth / Assets | 26.33% | 25.52% | 24.28% | 23.71% | 24.41% | 24.50% | 23.61% | 23.06% | -66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.75% | 19.40% | 14.80% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |