Jackson, MS · Charter 63874
NCUA · 3 branches
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 30, 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.
Jackson, MS · Charter 63874
NCUA · 3 branches
Q2 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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07% | 0.07% | 0.09% | -0.04% | 0.03% | 0.07% | -0.23% | -0.14% | -10 bps | |
| Return on Equity | 0.55% | 0.50% | 0.69% | -0.33% | 0.27% | 0.50% | -1.78% | -1.11% | -78 bps | |
| Net Interest Margin | 1.65% | 1.63% | 1.48% | 1.53% | 1.54% | 1.57% | 1.75% | 1.71% | +18 bps | |
| Efficiency Ratio | 96.77% | 96.93% | 103.16% | 103.86% | 98.82% | 98.83% | 93.70% | 95.70% | -816 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.70% | 2.24% | 2.57% | 1.82% | 4.60% | 2.94% | 3.36% | 2.72% | +90 bps | |
| Loan Growth (YoY) | 5.25% | 11.00% | 14.36% | 10.94% | 10.49% | 6.73% | -0.17% | -0.14% | -1,108 bps | |
| Share Growth (YoY) | 3.03% | 2.45% | 2.86% | 2.11% | 5.27% | 3.31% | 3.89% | 3.11% | +99 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.13% | 0.17% | 0.14% | 0.11% | 0.17% | 0.19% | 0.16% | 0.07% | -4 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 | 0.30% | 0.28% | 0.14% | 0.17% | 0.15% | 0.02% | 0.19% | 0.20% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.23% | 13.22% | 13.09% | 12.90% | 12.69% | 12.91% | 12.65% | 12.57% | -33 bps | |
| Net Worth / Assets | 13.23% | 13.22% | 13.09% | 12.90% | 12.69% | 12.91% | 12.65% | 12.57% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.03% | 28.20% | 28.28% | 27.88% | 28.37% | 29.13% | 27.18% | 27.00% | -88 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |