Clinton, MS · Charter 63005
NCUA · 1 branch
Q3 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 2.29% | 2.82% | 2.76% | 1.96% | 2.36% | 2.29% | 2.09% | -67 bps | |
| Return on Equity | 1.57% | 17.75% | 22.19% | 20.68% | 14.80% | 17.05% | 15.82% | 14.62% | -606 bps | |
| Net Interest Margin | 3.34% | 3.26% | 3.18% | 3.23% | 3.14% | 3.40% | 3.26% | 3.10% | -13 bps | |
| Efficiency Ratio | 53.51% | 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 / Loans | 1.54% | 0.57% | 0.51% | 1.99% | 0.07% | 0.46% | 1.23% | 0.36% | -163 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 | 1.71% | 1.62% | 1.22% | 0.78% | 1.22% | 1.11% | 0.98% | 0.95% | +17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.72% | 12.90% | 12.70% | 13.33% | 13.24% | 13.82% | 14.45% | 14.28% | +95 bps | |
| Net Worth / Assets | 12.72% | 12.90% | 12.70% | 13.33% | 13.24% | 13.82% | 14.45% | 14.28% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.60% | 32.27% | 31.52% | 30.19% | 30.72% | 32.29% | 32.88% | 30.32% | +13 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |