Vicksburg, MS · Charter 61553
NCUA · 1 branch
Q2 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | -0.08% | 0.01% | -0.10% | -0.13% | -0.17% | 0.18% | 0.06% | +16 bps | |
| Return on Equity | 0.33% | -0.26% | 0.03% | -0.31% | -0.42% | -0.53% | 0.54% | 0.19% | +50 bps | |
| Net Interest Margin | 3.09% | 3.26% | 3.33% | 3.42% | 3.45% | 3.52% | 3.53% | 3.70% | +29 bps | |
| Efficiency Ratio | 97.18% | 98.75% | 101.70% | 96.93% | 94.77% | 95.34% | 97.31% | 100.85% | +392 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.47% | -2.02% | -3.12% | -3.08% | -3.21% | -1.32% | -3.50% | -4.59% | -152 bps | |
| Loan Growth (YoY) | 9.79% | 2.01% | -1.11% | -2.75% | -4.83% | -0.44% | -0.48% | 0.68% | +343 bps | |
| Share Growth (YoY) | -0.61% | -2.68% | -4.93% | -4.41% | -4.40% | -1.78% | -4.86% | -6.30% | -189 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.33% | 4.11% | 3.49% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.13% | 0.39% | 0.32% | 0.21% | 0.35% | 0.40% | 0.36% | 0.31% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 31.26% | 32.16% | 32.12% | 31.95% | 32.03% | 32.42% | 33.15% | 33.20% | +126 bps | |
| Net Worth / Assets | 31.26% | 32.16% | 32.12% | 31.95% | 32.03% | 32.42% | 33.15% | 33.20% | +126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.30% | 78.44% | 77.71% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |