PackageTrendsPeer
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Mississippi College Employees

Clinton, MS · Charter 63005

NCUA · 1 branch

Q3 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2017, the quarter ended September 30, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Mississippi College Employees

Clinton, MS · Charter 63005

NCUA · 1 branch

Q3 2017

$3.0MAssets
$779KLoans
$2.6MShares
$429KNet Worth

Executive Summary

  • Earnings: ROA of 2.09%, down 67 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 0.36% of loans (-163 bps YoY).
  • Capital: net worth / assets of 14.28%, up 95 bps from a year ago.
  • Funding: loans stand at 30.32% of shares as of Q3 2017.

Return on Assets (YTD, annualized)

2.09%-67 bps YoY

Net Interest Margin (YTD, annualized)

3.10%-13 bps YoY

Efficiency Ratio (YTD, annualized)

46.10%+470 bps YoY

Net Worth / Assets

14.28%+95 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.20%2.29%2.82%2.76%1.96%2.36%2.29%2.09%-67 bps
Return on Equity1.57%17.75%22.19%20.68%14.80%17.05%15.82%14.62%-606 bps
Net Interest Margin3.34%3.26%3.18%3.23%3.14%3.40%3.26%3.10%-13 bps
Efficiency Ratio53.51%45.39%41.73%41.39%44.75%41.88%44.66%46.10%+470 bps
Growth
Asset Growth (YoY)-7.89%-2.75%11.75%12.02%12.76%9.32%-0.48%3.95%-807 bps
Loan Growth (YoY)1.80%0.92%5.12%-1.72%2.51%9.64%1.72%1.96%+368 bps
Share Growth (YoY)-9.13%-3.65%11.15%13.04%12.11%9.58%-2.49%1.52%-1,152 bps
Asset Quality
Delinquent Loans / Loans1.54%0.57%0.51%1.99%0.07%0.46%1.23%0.36%-163 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.71%1.62%1.22%0.78%1.22%1.11%0.98%0.95%+17 bps
Capital
Risk-Based Capital12.72%12.90%12.70%13.33%13.24%13.82%14.45%14.28%+95 bps
Net Worth / Assets12.72%12.90%12.70%13.33%13.24%13.82%14.45%14.28%+95 bps
Liquidity & Funding
Loans / Shares33.60%32.27%31.52%30.19%30.72%32.29%32.88%30.32%+13 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps