Pascagoula, MS · Charter 61356
NCUA · 2 branches
Q3 2018
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.63% | 0.50% | 0.39% | 0.50% | 0.66% | 0.44% | 0.43% | +5 bps | |
| Return on Equity | 4.87% | 4.33% | 3.43% | 2.67% | 3.42% | 4.57% | 2.93% | 2.92% | +25 bps | |
| Net Interest Margin | 3.11% | 3.35% | 3.34% | 3.17% | 3.16% | 3.31% | 3.30% | 3.21% | +3 bps | |
| Efficiency Ratio | 83.91% | 82.91% | 80.72% | 83.03% | 82.88% | 85.55% | 83.68% | 83.64% | +61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.79% | 0.19% | 0.49% | 1.69% | 2.96% | 4.97% | 1.67% | 0.74% | -96 bps | |
| Loan Growth (YoY) | 14.92% | 13.28% | 4.37% | 0.90% | -2.77% | -1.46% | -2.53% | 1.06% | +17 bps | |
| Share Growth (YoY) | 0.20% | -1.00% | 0.24% | 1.19% | 2.52% | 4.83% | 1.26% | 0.36% | -84 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.44% | 1.08% | 1.93% | 1.69% | 1.15% | 1.00% | 0.94% | -98 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 | 0.30% | 0.35% | 0.48% | 0.49% | 0.43% | 0.41% | 0.46% | 0.47% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.55% | 14.63% | 14.64% | 14.45% | 14.63% | 14.44% | 14.87% | 14.88% | +43 bps | |
| Net Worth / Assets | 14.55% | 14.63% | 14.64% | 14.45% | 14.63% | 14.44% | 14.87% | 14.88% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.74% | 74.81% | 73.14% | 71.19% | 72.78% | 70.32% | 70.41% | 71.69% | +50 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |