Jackson, MS · Charter 63442
NCUA · 1 branch
Q1 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |