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Holston Methodist

Knoxville, TN · Charter 11356

NCUA · 1 branch

Q2 2021

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 2021, the quarter ended June 30, 2021, 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

Holston Methodist

Knoxville, TN · Charter 11356

NCUA · 1 branch

Q2 2021

$16.3MAssets
$10.0MLoans
$15.4MShares
$942KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.22%, down 207 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 1.19% of loans (-87 bps YoY).
  • Capital: net worth / assets of 5.79%, down 128 bps from a year ago.
  • Funding: loans stand at 65.22% of shares as of Q2 2021.

Financial Results

Return on Assets (YTD, annualized)

-1.22%-207 bps YoY

Net Interest Margin (YTD, annualized)

3.28%-24 bps YoY

Efficiency Ratio (YTD, annualized)

111.54%+2,110 bps YoY

Net Worth / Assets

5.79%-128 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2020Q3 2020Q4 2020Q1 2021Q2 2021YoY ΔTrend
Earnings
Return on Assets0.86%0.40%0.20%-0.90%-1.22%-207 bps
Return on Equity12.12%5.83%3.02%-14.96%-21.04%-3,316 bps
Net Interest Margin3.52%3.54%3.44%3.15%3.28%-24 bps
Efficiency Ratio90.44%93.66%97.00%119.41%111.54%+2,110 bps
Growth
Asset Growth (YoY)18.76%13.70%14.43%16.09%4.16%-1,461 bps
Loan Growth (YoY)-9.90%-12.00%-16.19%-4.19%-0.05%+985 bps
Share Growth (YoY)18.81%14.85%16.01%18.31%6.19%-1,262 bps
Asset Quality
Delinquent Loans / Loans2.06%1.71%2.33%1.64%1.19%-87 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.23%1.29%1.40%1.25%1.50%+27 bps
Capital
Risk-Based Capital7.07%6.85%6.55%6.04%5.79%-128 bps
Net Worth / Assets7.07%6.85%6.55%6.04%5.79%-128 bps
Liquidity & Funding
Loans / Shares69.29%68.38%61.88%63.52%65.22%-407 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps