Horn Lake, MS · Charter 64017
NCUA · 1 branch
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.
Horn Lake, MS · Charter 64017
NCUA · 1 branch
Q2 2017
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.58% | 0.70% | 0.64% | 0.09% | 0.24% | -35 bps | |
| Return on Equity | 3.93% | 4.71% | 4.29% | 0.61% | 1.65% | -228 bps | |
| Net Interest Margin | 2.53% | 2.66% | 2.75% | 3.03% | 3.04% | +51 bps | |
| Efficiency Ratio | 68.49% | 64.92% | 63.92% | 64.58% | 57.46% | -1,103 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.11% | 8.91% | 5.95% | 5.53% | 6.50% | -261 bps | |
| Loan Growth (YoY) | 27.44% | 35.64% | 45.91% | 37.16% | 21.10% | -634 bps | |
| Share Growth (YoY) | 9.85% | 9.57% | 6.27% | 5.81% | 7.07% | -279 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.83% | 1.29% | 1.32% | 0.60% | 1.09% | +26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.62% | 0.67% | 0.86% | 1.09% | +46 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.84% | 14.94% | 15.01% | 14.45% | 14.39% | -45 bps | |
| Net Worth / Assets | 14.84% | 14.94% | 15.01% | 14.45% | 14.39% | -45 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.93% | 35.27% | 40.44% | 37.62% | 38.38% | +445 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |