Memphis, TN · Charter 11894
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Memphis, TN · Charter 11894
Q1 2014
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | -39.50% | -27.27% | -22.77% | -15.78% | -1,585 bps | |
| Return on Equity | 0.20% | -217% | -149.23% | -126.02% | -101.68% | -10,189 bps | |
| Net Interest Margin | 1.20% | -1.37% | -0.57% | -0.09% | 1.50% | +30 bps | |
| Efficiency Ratio | 94.85% | n/a | n/a | n/a | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -1.54% | -9.00% | -9.87% | -15.38% | -22.22% | -2,069 bps | |
| Loan Growth (YoY) | -20.50% | -21.32% | -1.72% | 10.76% | 32.18% | +5,268 bps | |
| Share Growth (YoY) | -1.80% | 12.60% | 13.68% | 5.98% | 0.42% | +222 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.13% | 0.83% | 0.48% | 0.33% | 0.59% | +46 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.10% | 2.15% | 1.65% | 1.24% | 2.14% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 34.23% | 18.21% | 18.27% | 18.07% | 15.52% | -1,871 bps | |
| Net Worth / Assets | 34.23% | 18.21% | 18.27% | 18.07% | 15.52% | -1,871 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 16.05% | 13.32% | 17.37% | 19.84% | 21.12% | +507 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |