Jackson, MS · Charter 60598
NCUA · 3 branches
Q3 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.38% | 1.36% | 1.40% | 1.44% | 1.47% | 0.96% | 1.16% | 1.14% | -30 bps | |
| Return on Equity | 8.42% | 8.33% | 8.25% | 8.13% | 7.87% | 5.07% | 5.95% | 5.78% | -235 bps | |
| Net Interest Margin | 3.02% | 2.93% | 3.09% | 3.26% | 3.41% | 3.62% | 3.64% | 3.74% | +48 bps | |
| Efficiency Ratio | 83.30% | 82.38% | 80.35% | 78.99% | 77.57% | 79.59% | 79.20% | 78.98% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.70% | 3.89% | 1.36% | 0.30% | -4.56% | -7.43% | -6.25% | -3.92% | -422 bps | |
| Loan Growth (YoY) | -5.04% | -6.20% | -5.52% | 5.27% | 15.98% | 15.42% | 7.84% | 2.82% | -245 bps | |
| Share Growth (YoY) | 8.18% | 2.40% | -0.81% | -1.93% | -8.09% | -10.46% | -9.30% | -6.64% | -471 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.09% | 0.04% | 0.14% | 0.30% | 0.19% | 0.13% | 0.21% | +7 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 | 0.65% | 0.51% | 0.46% | 0.47% | 0.58% | 0.00% | 0.00% | 0.00% | -47 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.38% | 16.32% | 17.00% | 17.73% | 18.63% | 18.98% | 19.54% | 19.77% | +203 bps | |
| Net Worth / Assets | 16.38% | 16.32% | 17.00% | 17.73% | 18.63% | 18.98% | 19.54% | 19.77% | +203 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.16% | 47.98% | 53.22% | 58.16% | 62.04% | 61.86% | 63.28% | 64.06% | +590 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |