Jackson, MS · Charter 63701
NCUA · 1 branch
Q1 2017
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.44% | 0.64% | 0.48% | 0.31% | 0.44% | 0.35% | 0.23% | -25 bps | |
| Return on Equity | 3.49% | 3.70% | 5.37% | 4.19% | 2.61% | 3.67% | 2.96% | 1.99% | -221 bps | |
| Net Interest Margin | 2.08% | 2.04% | 2.04% | 2.04% | 2.02% | 2.07% | 1.97% | 2.14% | +10 bps | |
| Efficiency Ratio | 85.40% | 82.79% | 75.40% | 78.10% | 81.23% | 76.97% | 79.98% | 78.45% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.57% | 5.30% | 7.06% | 9.05% | 10.10% | 7.24% | 7.19% | 3.92% | -514 bps | |
| Loan Growth (YoY) | 7.51% | 9.67% | 9.98% | 14.19% | 14.06% | 11.37% | 10.67% | 3.63% | -1,056 bps | |
| Share Growth (YoY) | 0.05% | 5.46% | 7.23% | 9.44% | 10.79% | 7.38% | 7.67% | 4.12% | -532 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.60% | 0.54% | 0.52% | 0.56% | 0.87% | 0.83% | 0.90% | +38 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 | 0.14% | 0.12% | 0.11% | 0.11% | 0.10% | 0.13% | 0.13% | 0.16% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.95% | 11.76% | 11.90% | 11.56% | 11.72% | 11.89% | 11.75% | 11.70% | +14 bps | |
| Net Worth / Assets | 11.95% | 11.76% | 11.90% | 11.56% | 11.72% | 11.89% | 11.75% | 11.70% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.49% | 41.74% | 41.69% | 42.06% | 41.68% | 43.29% | 42.85% | 41.86% | -19 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |