Jackson, MS · Charter 4604
Q4 2013
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.89% | -1.69% | -1.65% | -1.37% | -1.78% | +11 bps | |
| Return on Equity | -13.78% | -13.01% | -13.28% | -11.21% | -15.08% | -130 bps | |
| Net Interest Margin | 3.47% | 3.24% | 3.23% | 3.23% | 3.27% | -20 bps | |
| Efficiency Ratio | 141.06% | 142.07% | 141.74% | 139.13% | 147.25% | +619 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.17% | -0.53% | 3.43% | 3.02% | 1.07% | +124 bps | |
| Loan Growth (YoY) | 1.99% | -9.34% | -7.71% | 0.47% | -3.64% | -563 bps | |
| Share Growth (YoY) | 1.97% | 1.34% | 5.81% | 5.02% | 3.25% | +128 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.55% | 0.56% | 0.34% | 0.07% | 1.27% | +72 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.49% | 0.47% | 0.47% | 0.18% | 0.17% | -33 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.74% | 12.97% | 12.44% | 12.23% | 11.81% | -193 bps | |
| Net Worth / Assets | 13.74% | 12.97% | 12.44% | 12.23% | 11.81% | -193 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.36% | 50.86% | 50.80% | 52.36% | 50.73% | -363 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |