PackageTrendsPeer
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M S T C

Jackson, MS · Charter 6320

NCUA · 1 branch

Q1 2018

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: Q1 2018, the quarter ended March 31, 2018, 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

M S T C

Jackson, MS · Charter 6320

NCUA · 1 branch

Q1 2018

$2.6MAssets
$394KLoans
$2.2MShares
$357KNet 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 0.22%, up 68 bps year over year; NIM at 2.66%.
  • Asset quality: problem loans at 0.11% of loans (-456 bps YoY).
  • Capital: net worth / assets of 13.85%, up 44 bps from a year ago.
  • Funding: loans stand at 17.78% of shares as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

0.22%+68 bps YoY

Net Interest Margin (YTD, annualized)

2.66%+17 bps YoY

Efficiency Ratio (YTD, annualized)

90.84%+576 bps YoY

Net Worth / Assets

13.85%+44 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets-0.47%-0.74%-0.79%-0.98%0.22%+68 bps
Return on Equity-3.48%-5.41%-5.74%-7.25%1.57%+505 bps
Net Interest Margin2.49%2.50%2.57%2.60%2.66%+17 bps
Efficiency Ratio85.08%88.94%88.22%91.80%90.84%+576 bps
Growth
Asset Growth (YoY)-4.44%-6.11%-8.45%-6.69%-8.60%-417 bps
Loan Growth (YoY)-11.81%-15.09%-21.59%-18.52%-20.41%-860 bps
Share Growth (YoY)-4.84%-6.48%-8.92%-6.70%-9.09%-424 bps
Asset Quality
Delinquent Loans / Loans4.67%5.13%3.20%0.00%0.11%-456 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.21%2.56%3.08%3.43%3.47%+126 bps
Capital
Risk-Based Capital13.40%13.61%13.73%13.48%13.85%+44 bps
Net Worth / Assets13.40%13.61%13.73%13.48%13.85%+44 bps
Liquidity & Funding
Loans / Shares20.31%20.04%19.05%19.89%17.78%-253 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps