PackageTrendsPeer
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Jackson Acco

Jackson, MS · Charter 63151

NCUA · 2 branches

Q3 2017

$2.8MAssets
$2.0MLoans
$2.3MShares
$517KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.67%, down 195 bps year over year; NIM at 6.71%.
  • Asset quality: problem loans at 1.39% of loans (-222 bps YoY).
  • Capital: net worth / assets of 18.48%, down 39 bps from a year ago.
  • Funding: loans stand at 89.30% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-1.67%-195 bps YoY

Net Interest Margin (YTD, annualized)

6.71%+54 bps YoY

Efficiency Ratio (YTD, annualized)

92.32%+107 bps YoY

Net Worth / Assets

18.48%-39 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.29%0.47%-0.02%-0.06%-1.67%-195 bps
Return on Equity1.51%2.42%-0.11%-0.31%-9.02%-1,054 bps
Net Interest Margin6.16%6.34%6.65%6.73%6.71%+54 bps
Efficiency Ratio91.26%87.59%89.12%90.61%92.32%+107 bps
Growth
Asset Growth (YoY)3.47%2.60%3.02%-0.49%-3.11%-658 bps
Loan Growth (YoY)12.27%10.54%7.40%3.63%-3.57%-1,584 bps
Share Growth (YoY)3.87%2.78%3.14%-0.89%-2.64%-651 bps
Asset Quality
Delinquent Loans / Loans3.60%2.67%3.19%4.75%1.39%-222 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.31%0.37%0.51%0.73%0.95%+63 bps
Capital
Risk-Based Capital18.87%19.34%19.16%19.14%18.48%-39 bps
Net Worth / Assets18.87%19.34%19.16%19.14%18.48%-39 bps
Liquidity & Funding
Loans / Shares90.16%93.98%89.25%88.40%89.30%-86 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps