Pascagoula, MS · Charter 63637
NCUA · 13 branches
Q3 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 1.15% | 1.01% | 0.98% | 1.02% | 1.59% | 2.18% | 1.76% | +77 bps | |
| Return on Equity | 5.10% | 10.42% | 8.76% | 8.29% | 8.03% | 12.03% | 15.06% | 11.66% | +336 bps | |
| Net Interest Margin | 2.05% | 2.01% | 2.26% | 2.57% | 3.03% | 4.11% | 4.41% | 4.56% | +200 bps | |
| Efficiency Ratio | 90.84% | 80.95% | 81.20% | 79.98% | 78.49% | 70.39% | 65.50% | 69.32% | -1,065 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.39% | 4.67% | 2.06% | 0.11% | -4.39% | -8.90% | -11.06% | -12.14% | -1,225 bps | |
| Loan Growth (YoY) | -0.67% | -0.27% | 3.34% | 11.56% | 13.72% | 16.92% | 18.97% | 16.22% | +466 bps | |
| Share Growth (YoY) | 12.41% | 4.42% | 1.35% | -1.96% | -7.15% | -12.26% | -14.76% | -15.12% | -1,317 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.63% | 0.57% | 0.49% | 0.50% | 0.65% | 0.62% | 0.47% | 0.57% | +6 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 | 2.43% | 2.23% | 2.11% | 2.00% | 1.95% | 0.00% | 0.00% | 0.00% | -200 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.15% | 11.03% | 11.47% | 11.85% | 12.68% | 13.22% | 14.50% | 15.07% | +322 bps | |
| Net Worth / Assets | 11.15% | 11.03% | 11.47% | 11.85% | 12.68% | 13.22% | 14.50% | 15.07% | +322 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.48% | 49.97% | 52.80% | 58.06% | 64.28% | 66.59% | 73.68% | 79.49% | +2,144 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |