Meridian, MS · Charter 63656
NCUA · 1 branch
Q3 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | 0.30% | 0.22% | 0.19% | 0.19% | 0.14% | -0.17% | 0.00% | -19 bps | |
| Return on Equity | 0.93% | 1.92% | 1.38% | 1.23% | 1.18% | 0.88% | -1.04% | 0.02% | -121 bps | |
| Net Interest Margin | 1.40% | 1.46% | 1.47% | 1.40% | 1.39% | 1.34% | 0.92% | 1.51% | +12 bps | |
| Efficiency Ratio | 82.15% | 74.19% | 77.38% | 80.78% | 83.03% | 83.71% | 67.20% | 84.82% | +404 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.01% | 0.56% | -1.35% | -0.05% | -1.19% | -3.32% | -2.24% | -6.02% | -598 bps | |
| Loan Growth (YoY) | 23.18% | 19.62% | 7.72% | 2.57% | -10.19% | -15.22% | -0.44% | -4.73% | -730 bps | |
| Share Growth (YoY) | -0.18% | 0.47% | -1.80% | -0.25% | -1.63% | -4.12% | -2.68% | -7.21% | -695 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.56% | 0.48% | 0.00% | 0 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 | 1.40% | 1.40% | 1.44% | 1.44% | 1.44% | 1.44% | 1.44% | 1.44% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.63% | 15.58% | 15.84% | 15.69% | 16.00% | 16.28% | 16.22% | 16.74% | +105 bps | |
| Net Worth / Assets | 15.63% | 15.58% | 15.84% | 15.69% | 16.00% | 16.28% | 16.22% | 16.74% | +105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 22.23% | 21.52% | 20.85% | 20.60% | 20.29% | 19.03% | 21.33% | 21.15% | +55 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |