Jackson, MS · Charter 7684
NCUA · 1 branch
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,675 to 1,678). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
100
Profitability
10
Liquidity
0
Efficiency
0
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Jackson, MS · Charter 7684
NCUA · 1 branch
Q1 2025
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 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -8.88% | -12.33% | -13.90% | -14.95% | -32.07% | -2,319 bps | |
| Return on Equity | -77.27% | -126.16% | -215% | -435% | n/a | n/a | |
| Net Interest Margin | 4.80% | 6.08% | 5.26% | 5.07% | 2.79% | -201 bps | |
| Efficiency Ratio | 266% | 285% | 338% | 364% | 550% | +28,372 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.39% | -19.22% | -19.92% | -20.87% | -27.20% | -1,681 bps | |
| Loan Growth (YoY) | 3.68% | -8.67% | -4.18% | -9.22% | -28.45% | -3,214 bps | |
| Share Growth (YoY) | -1.95% | -8.34% | -7.39% | -8.79% | -55.16% | -5,321 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.64% | 7.00% | 6.43% | 7.95% | 0.00% | -764 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.01% | 1.20% | 1.17% | 1.24% | 0.00% | -101 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.49% | 9.77% | 6.46% | 3.44% | -4.29% | -1,578 bps | |
| Net Worth / Assets | 11.49% | 9.77% | 6.46% | 3.44% | -4.29% | -1,578 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.05% | 78.84% | 83.13% | 77.17% | 126.14% | +4,709 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jackson, MS · Charter 7684 · Peer group: credit unions under $1B in assets (n=1,675-1,678)
NCUA · 1 branch
Q1 2025
Return on Assets
-32.51%
Rank 1,677 of 1,678
Net Interest Margin
2.96%
Rank 1,365 of 1,677
Efficiency Ratio
567%
Rank 1,673 of 1,675
Equity / Assets
-4.19%
Rank 1,677 of 1,677
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -32.51% | 0.24% | 0.67% | 1.21% | Beats 0% | 1,677 / 1,678 | |
| Return on Equity | n/a | Not reported for this institution | |||||
| Net Interest Margin | 2.96% | 3.12% | 3.67% | 4.25% | Beats 19% | 1,365 / 1,677 | |
| Efficiency Ratio | 567% | 68.92% | 78.89% | 88.44% | Beats 0% | 1,673 / 1,675 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.21% | 0.58% | 1.19% | Beats 100% | 148 / 1,676 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | -4.29% | 10.02% | 12.33% | 15.89% | Beats 0% | 1,678 / 1,678 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | -4.19% | 10.02% | 12.33% | 15.89% | Beats 0% | 1,677 / 1,677 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 126.14% | 54.28% | 70.33% | 83.29% | 100th pctl | 5 / 1,677 | |
| Loans / Assets | 67.73% | 46.21% | 59.98% | 70.96% | 67th pctl | 551 / 1,677 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||