Pearl, MS · Charter 65689
NCUA · 2 branches
Q1 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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.92% | 2.81% | 2.94% | 0.72% | 1.94% | 3.02% | 3.21% | 0.77% | +5 bps | |
| Return on Equity | 19.98% | 18.08% | 18.39% | 4.62% | 11.99% | 17.93% | 18.41% | 4.49% | -13 bps | |
| Net Interest Margin | 5.73% | 5.94% | 6.10% | 5.26% | 5.71% | 5.85% | 6.26% | 5.57% | +31 bps | |
| Efficiency Ratio | 73.50% | 65.98% | 65.84% | 88.54% | 76.53% | 61.48% | 61.10% | 79.36% | -918 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.11% | -2.24% | 3.32% | 7.68% | 6.10% | 12.88% | 12.19% | 11.16% | +348 bps | |
| Loan Growth (YoY) | 11.38% | 7.12% | -1.00% | 1.63% | -0.35% | 13.25% | 11.31% | 0.19% | -144 bps | |
| Share Growth (YoY) | -1.23% | -5.25% | 0.32% | 6.01% | 4.20% | 11.36% | 10.23% | 9.10% | +309 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.78% | 0.06% | 0.05% | 2.01% | 1.72% | 0.00% | 0.32% | 0.14% | -187 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 | 1.68% | 2.00% | 1.77% | 1.80% | 1.26% | 0.92% | 0.84% | 0.99% | -82 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.62% | 15.54% | 15.97% | 15.53% | 16.17% | 16.85% | 17.45% | 17.12% | +159 bps | |
| Net Worth / Assets | 14.62% | 15.54% | 15.97% | 15.53% | 16.17% | 16.85% | 17.45% | 17.12% | +159 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.47% | 66.78% | 65.54% | 64.13% | 65.48% | 67.92% | 66.18% | 58.89% | -524 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |