Jackson, MS · Charter 7684
NCUA · 1 branch
Q1 2025
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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -7.83% | -8.54% | -7.45% | -8.88% | -12.33% | -13.90% | -14.95% | -32.07% | -2,319 bps | |
| Return on Equity | -40.94% | -47.98% | -54.34% | -77.27% | -126.16% | -215% | -435% | n/a | n/a | |
| Net Interest Margin | 5.06% | 5.18% | 5.98% | 4.80% | 6.08% | 5.26% | 5.07% | 2.79% | -201 bps | |
| Efficiency Ratio | 237% | 249% | 205% | 266% | 285% | 338% | 364% | 550% | +28,372 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.51% | -16.59% | -16.68% | -10.39% | -19.22% | -19.92% | -20.87% | -27.20% | -1,681 bps | |
| Loan Growth (YoY) | -5.82% | -0.83% | 0.52% | 3.68% | -8.67% | -4.18% | -9.22% | -28.45% | -3,214 bps | |
| Share Growth (YoY) | -9.77% | -12.20% | -10.91% | -1.95% | -8.34% | -7.39% | -8.79% | -55.16% | -5,321 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.05% | 0.53% | 2.36% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.52% | 0.03% | 0.90% | 1.01% | 1.20% | 1.17% | 1.24% | 0.00% | -101 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.12% | 17.79% | 13.72% | 11.49% | 9.77% | 6.46% | 3.44% | -4.29% | -1,578 bps | |
| Net Worth / Assets | 19.12% | 17.79% | 13.72% | 11.49% | 9.77% | 6.46% | 3.44% | -4.29% | -1,578 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.13% | 80.34% | 77.53% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |