Mc Comb, MS · Charter 4090
NCUA · 1 branch
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,675 to 1,678). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
64
Asset Quality
1
Profitability
32
Liquidity
92
Efficiency
9
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Mc Comb, MS · Charter 4090
NCUA · 1 branch
Q1 2025
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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.90% | -1.19% | -1.09% | 0.16% | 4.42% | -1.16% | -0.74% | -1.53% | -169 bps | |
| Return on Equity | -13.11% | -7.93% | -7.59% | 1.07% | 29.49% | -7.71% | -4.63% | -10.98% | -1,205 bps | |
| Net Interest Margin | 4.40% | 5.02% | 5.01% | 5.36% | 5.37% | 5.62% | 5.80% | 4.83% | -53 bps | |
| Efficiency Ratio | 112.65% | 103.71% | 98.32% | 95.30% | 55.43% | 102.14% | 101.97% | 100.32% | +502 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.13% | -8.56% | -1.77% | -3.04% | -4.38% | -7.42% | -14.35% | -17.32% | -1,428 bps | |
| Loan Growth (YoY) | 3.76% | 11.67% | 7.29% | 9.27% | 2.08% | -6.83% | -8.43% | -13.10% | -2,237 bps | |
| Share Growth (YoY) | -10.18% | -9.08% | -0.79% | -2.69% | -3.96% | -6.08% | -14.78% | -16.14% | -1,345 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.44% | 2.13% | 5.50% | 4.76% | 6.91% | 9.23% | 12.23% | 9.25% | +449 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 | 0.58% | 0.71% | 0.82% | 0.84% | 0.90% | 0.97% | 0.92% | 1.11% | +27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.49% | 14.97% | 14.39% | 14.86% | 14.99% | 15.05% | 16.05% | 13.95% | -92 bps | |
| Net Worth / Assets | 14.49% | 14.97% | 14.39% | 14.86% | 14.99% | 15.05% | 16.05% | 13.95% | -92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.83% | 66.02% | 64.00% | 65.51% | 62.53% | 65.50% | 68.76% | 67.88% | +237 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Mc Comb, MS · Charter 4090 · Peer group: credit unions under $1B in assets (n=1,675-1,678)
NCUA · 1 branch
Q1 2025
Return on Assets
-1.57%
Rank 1,623 of 1,678
Net Interest Margin
4.85%
Rank 188 of 1,677
Efficiency Ratio
100.00%
Rank 1,535 of 1,675
Equity / Assets
13.95%
Rank 604 of 1,677
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.57% | 0.24% | 0.67% | 1.21% | Beats 3% | 1,623 / 1,678 | ||
| Return on Equity | -11.23% | 1.96% | 5.37% | 8.99% | Beats 4% | 1,612 / 1,675 | ||
| Net Interest Margin | 4.85% | 3.12% | 3.67% | 4.25% | Beats 89% | 188 / 1,677 | ||
| Efficiency Ratio | 100.00% | 68.92% | 78.89% | 88.44% | Beats 9% | 1,535 / 1,675 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 9.25% | 0.21% | 0.58% | 1.19% | Beats 1% | 1,661 / 1,676 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.95% | 10.02% | 12.33% | 15.89% | Beats 64% | 605 / 1,678 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.95% | 10.02% | 12.33% | 15.89% | Beats 64% | 604 / 1,677 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.88% | 54.28% | 70.33% | 83.29% | 45th pctl | 919 / 1,677 | ||
| Loans / Assets | 58.44% | 46.21% | 59.98% | 70.96% | 47th pctl | 889 / 1,677 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||