PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Postal

Meridian, MS · Charter 63656

NCUA · 1 branch

Q3 2017

$5.6MAssets
$990KLoans
$4.7MShares
$942KNet 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 0.00%, down 19 bps year over year; NIM at 1.51%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 16.74%, up 105 bps from a year ago.
  • Funding: loans stand at 21.15% of shares as of Q3 2017.

Financial Results

Return on Assets (quarter, annualized)

0.00%-19 bps YoY

Net Interest Margin (quarter, annualized)

1.51%+12 bps YoY

Efficiency Ratio (quarter, annualized)

84.82%+404 bps YoY

Net Worth / Assets

16.74%+105 bps YoY

Discrete quarter, annualized.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.19%0.19%0.14%-0.17%0.00%-19 bps
Return on Equity1.23%1.18%0.88%-1.04%0.02%-121 bps
Net Interest Margin1.40%1.39%1.34%0.92%1.51%+12 bps
Efficiency Ratio80.78%83.03%83.71%67.20%84.82%+404 bps
Growth
Asset Growth (YoY)-0.05%-1.19%-3.32%-2.24%-6.02%-598 bps
Loan Growth (YoY)2.57%-10.19%-15.22%-0.44%-4.73%-730 bps
Share Growth (YoY)-0.25%-1.63%-4.12%-2.68%-7.21%-695 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.56%0.48%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.44%1.44%1.44%1.44%1.44%0 bps
Capital
Risk-Based Capital15.69%16.00%16.28%16.22%16.74%+105 bps
Net Worth / Assets15.69%16.00%16.28%16.22%16.74%+105 bps
Liquidity & Funding
Loans / Shares20.60%20.29%19.03%21.33%21.15%+55 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps