Jackson, MS · Charter 60762
NCUA · 1 branch
Q1 2017
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.04% | 0.02% | 0.00% | -0.24% | -0.16% | -0.10% | -0.08% | -0.04% | +20 bps | |
| Return on Equity | -0.19% | 0.08% | 0.02% | -1.01% | -0.66% | -0.40% | -0.33% | -0.16% | +84 bps | |
| Net Interest Margin | 1.77% | 1.83% | 1.80% | 1.74% | 1.77% | 1.80% | 1.84% | 1.85% | +12 bps | |
| Efficiency Ratio | 100.66% | 97.62% | 98.48% | 107.14% | 103.88% | 102.04% | 102.22% | 103.68% | -346 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.89% | -6.10% | -4.92% | -6.30% | -4.11% | -3.92% | -7.06% | -5.31% | +99 bps | |
| Loan Growth (YoY) | 0.75% | 4.18% | 0.47% | 7.33% | 1.67% | -1.38% | 0.33% | -9.52% | -1,685 bps | |
| Share Growth (YoY) | -7.61% | -8.07% | -6.51% | -8.17% | -5.90% | -5.55% | -9.58% | -7.49% | +67 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.15% | 0.09% | 0.11% | 0.00% | 0.00% | 0.00% | 0.16% | +4 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 | 0.60% | 0.62% | 0.44% | 0.61% | 0.62% | 0.63% | 0.58% | 0.58% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.21% | 23.49% | 23.31% | 23.78% | 24.60% | 24.82% | 25.47% | 25.56% | +178 bps | |
| Net Worth / Assets | 23.21% | 23.49% | 23.31% | 23.78% | 24.60% | 24.82% | 25.47% | 25.56% | +178 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 18.73% | 19.36% | 18.75% | 19.80% | 20.24% | 20.22% | 20.80% | 19.37% | -43 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |