Columbus, MS · Charter 66839
NCUA · 1 branch
Q1 2017
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.52% | -0.05% | 0.07% | 0.06% | -0.17% | +35 bps | |
| Return on Equity | -3.31% | -0.33% | 0.41% | 0.35% | -1.06% | +225 bps | |
| Net Interest Margin | 2.64% | 2.80% | 2.99% | 3.11% | 2.98% | +35 bps | |
| Efficiency Ratio | 102.93% | 93.43% | 91.07% | 90.00% | 94.44% | -849 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.80% | 7.17% | 2.47% | -3.40% | -2.88% | -967 bps | |
| Loan Growth (YoY) | -6.18% | 7.56% | 15.06% | 18.61% | 16.59% | +2,277 bps | |
| Share Growth (YoY) | 8.62% | 8.95% | 3.08% | -4.11% | -3.58% | -1,220 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.32% | 0.40% | 0.56% | 0.70% | 0.52% | +20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.81% | 0.76% | 0.75% | 0.79% | 0.83% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.80% | 16.09% | 16.65% | 17.03% | 16.42% | +62 bps | |
| Net Worth / Assets | 15.80% | 16.09% | 16.65% | 17.03% | 16.42% | +62 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.40% | 48.54% | 53.65% | 55.51% | 52.48% | +908 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |