PackageTrendsPeer
Letter portraitLegal landscape

M C C Employees

Yazoo City, MS · Charter 8269

Q2 2015

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: Q2 2015, the quarter ended June 30, 2015, 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

M C C Employees

Yazoo City, MS · Charter 8269

Q2 2015

$10.7MAssets
$3.8MLoans
$9.4MShares
$1.2MNet Worth

Executive Summary

  • Earnings: ROA of -0.07%, down 67 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 1.15% of loans (+87 bps YoY).
  • Capital: net worth / assets of 11.57%, up 41 bps from a year ago.
  • Funding: loans stand at 40.79% of shares as of Q2 2015.

Return on Assets (YTD, annualized)

-0.07%-67 bps YoY

Net Interest Margin (YTD, annualized)

2.87%+2 bps YoY

Efficiency Ratio (YTD, annualized)

99.52%+1,574 bps YoY

Net Worth / Assets

11.57%+41 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets-0.88%-0.75%0.31%0.61%0.36%0.44%-0.17%-0.07%-67 bps
Return on Equity-7.72%-6.44%2.71%5.46%3.11%3.72%-1.43%-0.57%-602 bps
Net Interest Margin2.61%2.76%2.91%2.86%2.91%2.99%2.78%2.87%+2 bps
Efficiency Ratio111.54%109.97%94.20%83.79%88.83%87.94%96.59%99.52%+1,574 bps
Growth
Asset Growth (YoY)-2.30%-5.10%-5.92%-2.41%1.47%3.47%0.10%-1.64%+77 bps
Loan Growth (YoY)-15.85%-9.24%-5.46%3.37%8.16%1.18%0.15%-1.68%-506 bps
Share Growth (YoY)-1.96%-4.78%-6.40%-2.54%1.75%3.36%0.09%-1.83%+70 bps
Asset Quality
Delinquent Loans / Loans0.13%0.32%0.05%0.28%0.67%0.78%1.51%1.15%+87 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.51%0.51%0.46%0.51%0.56%0.56%0.64%0.52%+1 bps
Capital
Risk-Based Capital11.42%11.71%11.33%11.17%11.46%11.76%11.64%11.57%+41 bps
Net Worth / Assets11.42%11.71%11.33%11.17%11.46%11.76%11.64%11.57%+41 bps
Liquidity & Funding
Loans / Shares39.87%41.19%39.26%40.73%42.38%40.32%39.29%40.79%+6 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps