Mc Comb, MS · Charter 4090
NCUA · 1 branch
Q1 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |