PackageTrendsPeer
Letter portraitLegal landscape

Hinds Community College

Raymond, MS · Charter 63239

Q4 2009

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: Q4 2009, the quarter ended December 31, 2009, 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

Hinds Community College

Raymond, MS · Charter 63239

Q4 2009

$3.3MAssets
$2.1MLoans
$2.9MShares
$361KNet 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 -5.33%, down 428 bps year over year; NIM at 6.17%.
  • Asset quality: problem loans at 0.25% of loans (-173 bps YoY).
  • Capital: net worth / assets of 10.92%, down 232 bps from a year ago.
  • Funding: loans stand at 72.70% of shares as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

-5.33%-428 bps YoY

Net Interest Margin (YTD, annualized)

6.17%+78 bps YoY

Efficiency Ratio (YTD, annualized)

81.92%-1,438 bps YoY

Net Worth / Assets

10.92%-232 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets-1.05%-4.06%-0.43%-0.72%-5.33%-428 bps
Return on Equity-7.95%-32.20%-3.13%-5.32%-48.86%-4,090 bps
Net Interest Margin5.39%5.70%5.73%5.56%6.17%+78 bps
Efficiency Ratio96.30%80.54%70.78%76.82%81.92%-1,438 bps
Growth
Asset Growth (YoY)-7.66%-11.14%-9.42%-6.54%-18.55%-1,089 bps
Loan Growth (YoY)-13.38%-15.97%-11.50%-12.58%-22.33%-895 bps
Share Growth (YoY)-7.83%-10.85%-11.02%-7.04%-16.61%-878 bps
Asset Quality
Delinquent Loans / Loans1.97%0.71%1.16%1.23%0.25%-173 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.14%1.26%1.70%1.84%0.00%-114 bps
Capital
Risk-Based Capital13.24%12.60%13.77%13.47%10.92%-232 bps
Net Worth / Assets13.24%12.60%13.77%13.47%10.92%-232 bps
Liquidity & Funding
Loans / Shares78.05%76.47%77.32%73.85%72.70%-535 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps