Memphis, TN · Charter 11339
Q1 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.57% | -0.92% | -2.85% | -11.33% | -0.50% | +8 bps | |
| Return on Equity | -5.44% | -8.93% | -31.02% | -486% | -20.72% | -1,528 bps | |
| Net Interest Margin | 2.21% | 2.24% | 2.29% | 2.74% | 2.90% | +69 bps | |
| Efficiency Ratio | 119.05% | 131.05% | 177.31% | 528% | 114.29% | -475 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.14% | -9.74% | -7.85% | -20.51% | -25.84% | -2,070 bps | |
| Loan Growth (YoY) | 4.46% | -8.15% | 0.85% | -4.91% | -12.36% | -1,682 bps | |
| Share Growth (YoY) | -4.08% | -9.13% | -8.80% | -12.27% | -19.18% | -1,511 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.89% | 9.24% | 6.32% | 2.22% | 2.64% | +174 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.67% | 1.72% | 2.10% | 6.06% | 7.42% | +575 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.56% | 10.32% | 9.19% | 2.33% | 2.39% | -817 bps | |
| Net Worth / Assets | 10.56% | 10.32% | 9.19% | 2.33% | 2.39% | -817 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.30% | 33.47% | 37.28% | 36.04% | 36.11% | +281 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |