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Natchez-Adams Educators

Natchez, MS · Charter 63821

NCUA · 1 branch

Q3 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: Q3 2017, the quarter ended September 30, 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 2026-10-10

Natchez-Adams Educators

Natchez, MS · Charter 63821

NCUA · 1 branch

Q3 2017

$1.4MAssets
$402KLoans
$885KShares
$505KNet 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 -2.26%, down 135 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 1.13% of loans (-143 bps YoY).
  • Capital: net worth / assets of 36.19%, down 177 bps from a year ago.
  • Funding: loans stand at 45.47% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-2.26%-135 bps YoY

Net Interest Margin (YTD, annualized)

3.98%-63 bps YoY

Efficiency Ratio (YTD, annualized)

102.76%-6 bps YoY

Net Worth / Assets

36.19%-177 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-0.92%-0.47%-3.92%-3.05%-2.26%-135 bps
Return on Equity-2.41%-1.25%-10.95%-8.72%-6.26%-384 bps
Net Interest Margin4.61%4.58%4.06%3.46%3.98%-63 bps
Efficiency Ratio102.82%98.39%91.61%117.41%102.76%-6 bps
Growth
Asset Growth (YoY)-10.22%-8.28%-10.79%-3.10%-4.57%+565 bps
Loan Growth (YoY)-13.79%-10.59%-16.00%0.73%6.63%+2,042 bps
Share Growth (YoY)-14.75%-12.08%-12.06%0.15%-2.25%+1,250 bps
Asset Quality
Delinquent Loans / Loans2.57%4.97%2.99%3.12%1.13%-143 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.47%1.37%3.27%2.27%3.26%+179 bps
Capital
Risk-Based Capital37.96%37.59%35.84%34.96%36.19%-177 bps
Net Worth / Assets37.96%37.59%35.84%34.96%36.19%-177 bps
Liquidity & Funding
Loans / Shares41.68%42.96%30.17%43.49%45.47%+379 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps