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Biloxi V A

Biloxi, MS · Charter 68424

NCUA · 3 branches

Q1 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2019, the quarter ended March 31, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Biloxi V A

Biloxi, MS · Charter 68424

NCUA · 3 branches

Q1 2019

$7.1MAssets
$2.6MLoans
$6.8MShares
$273KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -23.18%, down 2,222 bps year over year; NIM at 4.28%.
  • Asset quality: problem loans at 1.49% of loans (-304 bps YoY).
  • Capital: net worth / assets of 3.84%, down 602 bps from a year ago.
  • Funding: loans stand at 38.72% of shares as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

-23.18%-2,222 bps YoY

Net Interest Margin (YTD, annualized)

4.28%-8 bps YoY

Efficiency Ratio (YTD, annualized)

430%+31,379 bps YoY

Net Worth / Assets

3.84%-602 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets-0.95%-1.14%-0.98%-1.04%-23.18%-2,222 bps
Return on Equity-9.68%-12.37%-10.35%-11.50%-604%-59,423 bps
Net Interest Margin4.37%4.11%4.30%4.27%4.28%-8 bps
Efficiency Ratio115.83%112.48%109.39%107.36%430%+31,379 bps
Growth
Asset Growth (YoY)-8.51%-4.59%-2.55%1.13%-5.96%+255 bps
Loan Growth (YoY)-24.39%-25.51%-26.05%-27.45%-25.21%-82 bps
Share Growth (YoY)-9.05%-4.65%-1.69%3.77%0.85%+991 bps
Asset Quality
Delinquent Loans / Loans4.54%2.03%1.89%2.97%1.49%-304 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.89%2.48%2.41%2.36%2.04%-85 bps
Capital
Risk-Based Capital9.86%9.18%9.43%9.00%3.84%-602 bps
Net Worth / Assets9.86%9.18%9.43%9.00%3.84%-602 bps
Liquidity & Funding
Loans / Shares52.21%45.74%43.89%40.84%38.72%-1,349 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps