Jackson, MS · Charter 63442
NCUA · 1 branch
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,675 to 1,678). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
73
Asset Quality
61
Profitability
75
Liquidity
0
Efficiency
46
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Jackson, MS · Charter 63442
NCUA · 1 branch
Q1 2025
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 1.15% | 1.12% | 0.98% | 1.18% | 1.45% | 1.18% | 1.20% | +21 bps | |
| Return on Equity | 5.51% | 8.36% | 7.99% | 6.93% | 8.02% | 9.46% | 7.64% | 7.76% | +82 bps | |
| Net Interest Margin | 3.53% | 3.85% | 3.96% | 4.35% | 4.55% | 4.72% | 4.15% | 4.52% | +17 bps | |
| Efficiency Ratio | 78.92% | 76.24% | 76.22% | 75.91% | 73.16% | 71.58% | 73.32% | 79.92% | +401 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.25% | -5.91% | -6.44% | -5.57% | -4.62% | -1.21% | -0.32% | 1.05% | +663 bps | |
| Loan Growth (YoY) | 4.06% | 3.14% | 1.85% | -3.26% | -2.74% | -6.70% | -7.71% | -6.18% | -292 bps | |
| Share Growth (YoY) | -1.42% | -7.95% | -8.58% | -7.48% | -6.65% | -2.97% | -2.02% | -0.53% | +694 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.95% | 2.05% | 2.01% | 1.35% | 1.54% | 1.03% | 0.74% | 0.38% | -97 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.87% | 13.81% | 14.03% | 14.20% | 14.72% | 15.31% | 15.43% | 15.44% | +124 bps | |
| Net Worth / Assets | 12.87% | 13.81% | 14.03% | 14.20% | 14.72% | 15.31% | 15.43% | 15.44% | +124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.10% | 37.68% | 38.68% | 36.25% | 37.61% | 36.23% | 36.44% | 34.19% | -206 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jackson, MS · Charter 63442 · Peer group: credit unions under $1B in assets (n=1,675-1,678)
NCUA · 1 branch
Q1 2025
Return on Assets
1.19%
Rank 427 of 1,678
Net Interest Margin
4.52%
Rank 291 of 1,677
Efficiency Ratio
80.09%
Rank 907 of 1,675
Equity / Assets
15.44%
Rank 461 of 1,677
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.19% | 0.24% | 0.67% | 1.21% | Beats 75% | 427 / 1,678 | ||
| Return on Equity | 7.74% | 1.96% | 5.37% | 8.99% | Beats 67% | 554 / 1,675 | ||
| Net Interest Margin | 4.52% | 3.12% | 3.67% | 4.25% | Beats 83% | 291 / 1,677 | ||
| Efficiency Ratio | 80.09% | 68.92% | 78.89% | 88.44% | Beats 46% | 907 / 1,675 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.39% | 0.21% | 0.58% | 1.19% | Beats 61% | 658 / 1,676 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.44% | 10.02% | 12.33% | 15.89% | Beats 72% | 462 / 1,678 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.44% | 10.02% | 12.33% | 15.89% | Beats 73% | 461 / 1,677 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 34.19% | 54.28% | 70.33% | 83.29% | 6th pctl | 1,570 / 1,677 | ||
| Loans / Assets | 28.78% | 46.21% | 59.98% | 70.96% | 6th pctl | 1,572 / 1,677 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||