Jackson, MS · Charter 9567
NCUA · 1 branch
Q4 2021
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 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.31% | 0.87% | 0.90% | 0.75% | 1.05% | 0.89% | 1.01% | 0.80% | +5 bps | |
| Return on Equity | 7.82% | 5.42% | 5.83% | 4.90% | 7.35% | 6.11% | 6.82% | 5.49% | +60 bps | |
| Net Interest Margin | 3.00% | 2.75% | 2.55% | 2.49% | 2.10% | 2.09% | 2.11% | 2.09% | -40 bps | |
| Efficiency Ratio | 75.00% | 80.08% | 79.41% | 82.08% | 80.34% | 82.19% | 79.39% | 82.93% | +86 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.81% | 17.52% | 22.16% | 25.22% | 23.47% | 15.90% | 10.86% | 11.93% | -1,329 bps | |
| Loan Growth (YoY) | -1.90% | 0.22% | 1.37% | 4.21% | 8.24% | 6.22% | 9.36% | 4.16% | -5 bps | |
| Share Growth (YoY) | 8.25% | 19.79% | 25.56% | 29.51% | 26.67% | 17.72% | 11.80% | 13.13% | -1,638 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.26% | 0.01% | 0.21% | 0.00% | 0.00% | 0.05% | 0.02% | -20 bps | |
| Net Charge-Offs / Loans | 0.42% | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 0.46% | 0.41% | 0.36% | 0.31% | 0.37% | 0.42% | 0.43% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.74% | 15.97% | 15.52% | 15.40% | 14.24% | 14.54% | 14.83% | 14.56% | -84 bps | |
| Net Worth / Assets | 16.74% | 15.97% | 15.52% | 15.40% | 14.24% | 14.54% | 14.83% | 14.56% | -84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.94% | 62.53% | 59.81% | 60.42% | 55.49% | 56.43% | 58.50% | 55.63% | -479 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |