PackageTrendsPeer
Letter portraitLegal landscape

Jackson County Federal Employees

Pascagoula, MS · Charter 63403

Q3 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: Q3 2009, the quarter ended September 30, 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

Jackson County Federal Employees

Pascagoula, MS · Charter 63403

Q3 2009

$2.3MAssets
$1.5MLoans
$2.2MShares
$131KNet 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 -5.16%, down 278 bps year over year; NIM at 5.78%.
  • Asset quality: problem loans at 2.42% of loans (-296 bps YoY).
  • Capital: net worth / assets of 5.66%, down 279 bps from a year ago.
  • Funding: loans stand at 69.84% of shares as of Q3 2009.

Financial Results

Return on Assets (YTD, annualized)

-5.16%-278 bps YoY

Net Interest Margin (YTD, annualized)

5.78%+58 bps YoY

Efficiency Ratio (YTD, annualized)

142.10%+3,377 bps YoY

Net Worth / Assets

5.66%-279 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets-2.38%-3.57%-6.61%-3.71%-5.16%-278 bps
Return on Equity-28.22%-47.39%-113.16%-53.23%-91.30%-6,309 bps
Net Interest Margin5.20%5.42%4.32%5.49%5.78%+58 bps
Efficiency Ratio108.33%111.15%128.25%117.31%142.10%+3,377 bps
Growth
Asset Growth (YoY)0.26%-9.70%-13.64%-24.81%-27.89%-2,815 bps
Loan Growth (YoY)-21.50%-24.49%-26.33%-24.37%-24.04%-254 bps
Share Growth (YoY)2.02%-7.30%-11.38%-23.74%-25.34%-2,736 bps
Asset Quality
Delinquent Loans / Loans5.38%2.37%1.92%3.21%2.42%-296 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.80%2.19%2.52%2.65%2.77%+97 bps
Capital
Risk-Based Capital8.45%7.53%5.84%6.98%5.66%-279 bps
Net Worth / Assets8.45%7.53%5.84%6.98%5.66%-279 bps
Liquidity & Funding
Loans / Shares68.64%69.20%62.50%70.43%69.84%+120 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps