Vicksburg, MS · Charter 61553
NCUA · 1 branch
Q2 2017
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.10% | -0.13% | -0.17% | 0.18% | 0.06% | +16 bps | |
| Return on Equity | -0.31% | -0.42% | -0.53% | 0.54% | 0.19% | +50 bps | |
| Net Interest Margin | 3.42% | 3.45% | 3.52% | 3.53% | 3.70% | +29 bps | |
| Efficiency Ratio | 96.93% | 94.77% | 95.34% | 97.31% | 100.85% | +392 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.08% | -3.21% | -1.32% | -3.50% | -4.59% | -152 bps | |
| Loan Growth (YoY) | -2.75% | -4.83% | -0.44% | -0.48% | 0.68% | +343 bps | |
| Share Growth (YoY) | -4.41% | -4.40% | -1.78% | -4.86% | -6.30% | -189 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.94% | 3.02% | 2.04% | 3.41% | 3.92% | -2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.21% | 0.35% | 0.40% | 0.36% | 0.31% | +10 bps | |
| Capital | |||||||
| Risk-Based Capital | 31.95% | 32.03% | 32.42% | 33.15% | 33.20% | +126 bps | |
| Net Worth / Assets | 31.95% | 32.03% | 32.42% | 33.15% | 33.20% | +126 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.38% | 76.95% | 79.51% | 81.29% | 84.22% | +584 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |