Horn Lake, MS · Charter 64017
NCUA · 1 branch
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 | 0.68% | 0.72% | 0.43% | 0.58% | 0.70% | 0.64% | 0.09% | 0.24% | -35 bps | |
| Return on Equity | 4.41% | 4.74% | 2.94% | 3.93% | 4.71% | 4.29% | 0.61% | 1.65% | -228 bps | |
| Net Interest Margin | 2.59% | 2.57% | 2.26% | 2.53% | 2.66% | 2.75% | 3.03% | 3.04% | +51 bps | |
| Efficiency Ratio | 71.51% | 69.80% | 80.74% | 68.49% | 64.92% | 63.92% | 64.58% | 57.46% | -1,103 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.20% | 6.64% | 9.19% | 9.11% | 8.91% | 5.95% | 5.53% | 6.50% | -261 bps | |
| Loan Growth (YoY) | 13.52% | 12.59% | 12.95% | 27.44% | 35.64% | 45.91% | 37.16% | 21.10% | -634 bps | |
| Share Growth (YoY) | 6.49% | 6.91% | 9.92% | 9.85% | 9.57% | 6.27% | 5.81% | 7.07% | -279 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 1.01% | 1.16% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.51% | 0.51% | 0.62% | 0.62% | 0.62% | 0.67% | 0.86% | 1.09% | +46 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.46% | 15.22% | 14.68% | 14.84% | 14.94% | 15.01% | 14.45% | 14.39% | -45 bps | |
| Net Worth / Assets | 15.46% | 15.22% | 14.68% | 14.84% | 14.94% | 15.01% | 14.45% | 14.39% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.49% | 29.45% | 29.02% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |