West Point, MS · Charter 63808
NCUA · 4 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
West Point, MS · Charter 63808
NCUA · 4 branches
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 | 0.61% | 0.51% | 0.27% | 0.68% | -0.07% | 0.00% | 0.12% | 0.94% | +26 bps | |
| Return on Equity | 3.19% | 2.59% | 1.44% | 3.72% | -0.40% | 0.00% | 0.63% | 5.22% | +150 bps | |
| Net Interest Margin | 3.14% | 3.22% | 3.16% | 3.01% | 3.22% | 3.37% | 3.52% | 3.53% | +53 bps | |
| Efficiency Ratio | 86.45% | 88.04% | 92.81% | 84.93% | 99.85% | 98.26% | 95.19% | 77.26% | -767 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.51% | 3.09% | 7.85% | 7.27% | 3.98% | 2.82% | -1.51% | 1.77% | -550 bps | |
| Loan Growth (YoY) | 11.70% | 8.08% | 5.87% | 8.82% | 11.94% | 10.05% | 20.62% | 19.83% | +1,101 bps | |
| Share Growth (YoY) | 7.44% | 3.35% | 9.54% | 8.61% | 5.04% | 3.59% | -1.99% | 1.99% | -662 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.33% | 0.05% | 0.04% | 0.07% | 0.22% | 0.21% | 0.55% | +50 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 | 0.27% | 0.29% | 0.29% | 0.30% | 0.34% | 0.36% | 0.36% | 0.43% | +13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.10% | 19.56% | 18.85% | 18.19% | 18.60% | 18.89% | 19.23% | 18.03% | -16 bps | |
| Net Worth / Assets | 19.10% | 19.56% | 18.85% | 18.19% | 18.60% | 18.89% | 19.23% | 18.03% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.45% | 62.19% | 58.10% | 56.00% | 63.35% | 66.06% | 71.50% | 65.80% | +979 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |