Biloxi, MS · Charter 68424
NCUA · 3 branches
Q1 2019
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 4.37% | 4.11% | 4.30% | 4.27% | 4.28% | -8 bps | |
| Efficiency Ratio | 115.83% | 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 / Loans | 4.54% | 2.03% | 1.89% | 2.97% | 1.49% | -304 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.89% | 2.48% | 2.41% | 2.36% | 2.04% | -85 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.86% | 9.18% | 9.43% | 9.00% | 3.84% | -602 bps | |
| Net Worth / Assets | 9.86% | 9.18% | 9.43% | 9.00% | 3.84% | -602 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.21% | 45.74% | 43.89% | 40.84% | 38.72% | -1,349 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |