Vicksburg, MS · Charter 63584
NCUA · 6 branches
Q2 2023
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 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.85% | 1.15% | 1.04% | 1.08% | 1.07% | 1.36% | 1.51% | +47 bps | |
| Return on Equity | 8.78% | 8.10% | 10.77% | 9.43% | 9.29% | 8.94% | 11.21% | 12.03% | +260 bps | |
| Net Interest Margin | 2.41% | 2.38% | 2.39% | 2.55% | 2.74% | 2.89% | 3.39% | 3.40% | +85 bps | |
| Efficiency Ratio | 76.45% | 77.72% | 72.77% | 73.08% | 72.52% | 72.62% | 70.27% | 68.81% | -427 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.88% | 15.31% | 5.89% | 3.74% | -0.74% | -3.24% | -3.16% | -1.98% | -572 bps | |
| Loan Growth (YoY) | 20.63% | 17.68% | 12.84% | 15.09% | 12.11% | 12.99% | 11.86% | 7.59% | -749 bps | |
| Share Growth (YoY) | 19.63% | 16.04% | 7.13% | 6.54% | 3.18% | -0.10% | -2.53% | -2.42% | -896 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.32% | 0.34% | 0.63% | 0.73% | 0.64% | 0.50% | 0.73% | +10 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 | 0.81% | 0.83% | 0.83% | 0.93% | 1.00% | 1.07% | 0.00% | 0.00% | -93 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.58% | 10.50% | 10.67% | 11.06% | 11.65% | 11.92% | 12.11% | 12.57% | +150 bps | |
| Net Worth / Assets | 10.58% | 10.50% | 10.67% | 11.06% | 11.65% | 11.92% | 12.11% | 12.57% | +150 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.50% | 48.09% | 47.27% | 50.05% | 52.69% | 54.39% | 54.25% | 55.19% | +514 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |