Newton, MS · Charter 65470
NCUA · 1 branch
Q2 2018
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.40% | -0.20% | 0.19% | 0.03% | -0.07% | 0.06% | -0.12% | -30 bps | |
| Return on Equity | 4.27% | 3.15% | -1.71% | 1.51% | 0.24% | -0.58% | 0.50% | -0.96% | -247 bps | |
| Net Interest Margin | 3.77% | 3.78% | 3.57% | 3.69% | 3.48% | 4.15% | 4.00% | 4.08% | +38 bps | |
| Efficiency Ratio | 87.09% | 88.93% | 98.52% | 93.60% | 99.63% | 95.71% | 94.03% | 97.81% | +421 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.00% | 0.45% | 5.82% | 3.01% | 3.03% | -1.94% | -2.18% | -3.25% | -627 bps | |
| Loan Growth (YoY) | 15.31% | 2.28% | 11.65% | 11.05% | 5.45% | 14.13% | 9.12% | 0.50% | -1,055 bps | |
| Share Growth (YoY) | 1.40% | -0.27% | 6.11% | 3.02% | 3.27% | -2.10% | -2.49% | -3.38% | -640 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.24% | 0.86% | 0.87% | 0.57% | 3.05% | 0.00% | 0.17% | -70 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 | 0.74% | 0.81% | 0.85% | 0.84% | 0.92% | 0.87% | 0.99% | 0.94% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.97% | 12.75% | 11.89% | 12.24% | 12.60% | 12.93% | 12.15% | 12.43% | +18 bps | |
| Net Worth / Assets | 12.97% | 12.75% | 11.89% | 12.24% | 12.60% | 12.93% | 12.15% | 12.43% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.44% | 43.11% | 40.67% | 45.22% | 47.42% | 50.25% | 45.52% | 47.03% | +182 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |