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Bryan Employees

West Point, MS · Charter 63808

NCUA · 4 branches

Q1 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2017, the quarter ended March 31, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bryan Employees

West Point, MS · Charter 63808

NCUA · 4 branches

Q1 2017

$10.0MAssets
$5.4MLoans
$8.2MShares
$1.8MNet 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 0.94%, up 26 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.55% of loans (+50 bps YoY).
  • Capital: net worth / assets of 18.03%, down 16 bps from a year ago.
  • Funding: loans stand at 65.80% of shares as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

0.94%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+53 bps YoY

Efficiency Ratio (YTD, annualized)

77.26%-767 bps YoY

Net Worth / Assets

18.03%-16 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets0.68%-0.07%0.00%0.12%0.94%+26 bps
Return on Equity3.72%-0.40%0.00%0.63%5.22%+150 bps
Net Interest Margin3.01%3.22%3.37%3.52%3.53%+53 bps
Efficiency Ratio84.93%99.85%98.26%95.19%77.26%-767 bps
Growth
Asset Growth (YoY)7.27%3.98%2.82%-1.51%1.77%-550 bps
Loan Growth (YoY)8.82%11.94%10.05%20.62%19.83%+1,101 bps
Share Growth (YoY)8.61%5.04%3.59%-1.99%1.99%-662 bps
Asset Quality
Delinquent Loans / Loans0.04%0.07%0.22%0.21%0.55%+50 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.30%0.34%0.36%0.36%0.43%+13 bps
Capital
Risk-Based Capital18.19%18.60%18.89%19.23%18.03%-16 bps
Net Worth / Assets18.19%18.60%18.89%19.23%18.03%-16 bps
Liquidity & Funding
Loans / Shares56.00%63.35%66.06%71.50%65.80%+979 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps