Greenville, MS · Charter 68003
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.
Greenville, MS · Charter 68003
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 | 0.22% | 0.21% | 0.80% | 0.82% | 0.76% | 0.57% | -0.58% | 0.58% | -24 bps | |
| Return on Equity | 0.92% | 0.85% | 3.39% | 3.53% | 3.20% | 2.41% | -2.54% | 2.51% | -102 bps | |
| Net Interest Margin | 3.69% | 3.82% | 4.07% | 3.93% | 4.07% | 4.05% | 3.90% | 4.02% | +9 bps | |
| Efficiency Ratio | 95.88% | 92.79% | 87.15% | 83.70% | 84.21% | 87.42% | 95.95% | 86.96% | +326 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.69% | 1.78% | 0.34% | 4.78% | 4.21% | 5.58% | 4.96% | 1.98% | -280 bps | |
| Loan Growth (YoY) | -8.31% | -4.22% | -1.22% | -1.36% | -2.40% | -8.46% | -10.56% | -11.44% | -1,008 bps | |
| Share Growth (YoY) | 0.66% | 2.13% | -0.09% | 5.38% | 4.74% | 6.50% | 6.19% | 1.90% | -348 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.05% | 3.09% | 3.62% | 2.46% | 2.08% | 3.78% | 3.32% | 4.02% | +155 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 | 0.94% | 1.02% | 1.00% | 1.01% | 1.00% | 1.00% | 1.05% | 0.79% | -22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.08% | 24.28% | 23.67% | 23.14% | 23.68% | 23.57% | 22.77% | 23.13% | -1 bps | |
| Net Worth / Assets | 24.08% | 24.28% | 23.67% | 23.14% | 23.68% | 23.57% | 22.77% | 23.13% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.15% | 69.04% | 63.56% | 60.48% | 60.71% | 59.34% | 53.54% | 52.56% | -792 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |