Knoxville, TN · Charter 11356
NCUA · 1 branch
Q2 2021
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Knoxville, TN · Charter 11356
NCUA · 1 branch
Q2 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 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.14% | 1.76% | 0.60% | 0.86% | 0.40% | 0.20% | -0.90% | -1.22% | -207 bps | |
| Return on Equity | 28.50% | 23.40% | 8.00% | 12.12% | 5.83% | 3.02% | -14.96% | -21.04% | -3,316 bps | |
| Net Interest Margin | 4.56% | 4.46% | 3.90% | 3.52% | 3.54% | 3.44% | 3.15% | 3.28% | -24 bps | |
| Efficiency Ratio | 74.53% | 77.65% | 89.14% | 90.44% | 93.66% | 97.00% | 119.41% | 111.54% | +2,110 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.90% | 5.04% | 4.16% | 18.76% | 13.70% | 14.43% | 16.09% | 4.16% | -1,461 bps | |
| Loan Growth (YoY) | 0.12% | 0.06% | 0.57% | -9.90% | -12.00% | -16.19% | -4.19% | -0.05% | +985 bps | |
| Share Growth (YoY) | -0.11% | 3.76% | 3.02% | 18.81% | 14.85% | 16.01% | 18.31% | 6.19% | -1,262 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.40% | 2.75% | 1.33% | 2.06% | 1.71% | 2.33% | 1.64% | 1.19% | -87 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 | 1.89% | 1.64% | 1.77% | 1.23% | 1.29% | 1.40% | 1.25% | 1.50% | +27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.50% | 7.51% | 7.45% | 7.07% | 6.85% | 6.55% | 6.04% | 5.79% | -128 bps | |
| Net Worth / Assets | 7.50% | 7.51% | 7.45% | 7.07% | 6.85% | 6.55% | 6.04% | 5.79% | -128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.24% | 85.66% | 78.44% | 69.29% | 68.38% | 61.88% | 63.52% | 65.22% | -407 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |