Biloxi, MS · Charter 61717
NCUA · 2 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Biloxi, MS · Charter 61717
NCUA · 2 branches
Q1 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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.72% | 1.67% | 1.67% | 1.59% | 1.12% | -60 bps | |
| Return on Equity | 9.34% | 8.96% | 8.97% | 8.84% | 6.05% | -329 bps | |
| Net Interest Margin | 5.05% | 4.98% | 4.89% | 4.56% | 4.52% | -53 bps | |
| Efficiency Ratio | 76.39% | 72.31% | 72.88% | 73.50% | 84.01% | +762 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.91% | 6.55% | 5.17% | 14.62% | 8.26% | +535 bps | |
| Loan Growth (YoY) | 12.65% | 13.00% | 7.82% | 5.03% | 4.46% | -820 bps | |
| Share Growth (YoY) | 2.46% | 6.32% | 4.38% | 15.73% | 7.94% | +548 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.38% | 0.90% | 0.77% | 0.77% | 1.10% | +72 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.24% | 0.27% | 0.24% | 0.22% | 0.16% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.39% | 18.64% | 18.60% | 17.99% | 18.50% | +11 bps | |
| Net Worth / Assets | 18.39% | 18.64% | 18.60% | 17.99% | 18.50% | +11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.68% | 95.45% | 95.76% | 90.15% | 92.59% | -309 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |