Natchez, MS · Charter 63821
NCUA · 1 branch
Q3 2017
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 4.61% | 4.58% | 4.06% | 3.46% | 3.98% | -63 bps | |
| Efficiency Ratio | 102.82% | 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 / Loans | 2.57% | 4.97% | 2.99% | 3.12% | 1.13% | -143 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.47% | 1.37% | 3.27% | 2.27% | 3.26% | +179 bps | |
| Capital | |||||||
| Risk-Based Capital | 37.96% | 37.59% | 35.84% | 34.96% | 36.19% | -177 bps | |
| Net Worth / Assets | 37.96% | 37.59% | 35.84% | 34.96% | 36.19% | -177 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.68% | 42.96% | 30.17% | 43.49% | 45.47% | +379 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |