Bristol, TN · Charter 12062
NCUA · 2 branches
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, 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.
Bristol, TN · Charter 12062
NCUA · 2 branches
Q2 2018
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.26% | -0.43% | 0.61% | 0.30% | 0.20% | 0.23% | -0.07% | -2.00% | -230 bps | |
| Return on Equity | -2.83% | -4.91% | 6.87% | 3.53% | 2.22% | 2.60% | -0.78% | -23.94% | -2,747 bps | |
| Net Interest Margin | 3.38% | 3.33% | 3.26% | 3.19% | 3.27% | 3.30% | 2.99% | 3.39% | +20 bps | |
| Efficiency Ratio | 94.47% | 97.27% | 94.24% | 91.81% | 90.60% | 90.44% | 90.96% | 143.94% | +5,213 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.92% | -0.83% | -0.24% | 3.09% | 1.97% | -0.19% | -0.36% | -6.97% | -1,006 bps | |
| Loan Growth (YoY) | -1.75% | -4.48% | -1.34% | -0.23% | -1.30% | 2.32% | -2.20% | -7.72% | -750 bps | |
| Share Growth (YoY) | -1.78% | -0.48% | -0.02% | 3.66% | 2.30% | -0.44% | -0.50% | -6.57% | -1,023 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.04% | 1.36% | 0.69% | 1.31% | 1.07% | 2.47% | 2.08% | 2.33% | +102 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 | 0.64% | 0.84% | 0.62% | 0.75% | 0.64% | 0.60% | 0.60% | 0.84% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.03% | 8.70% | 8.85% | 8.63% | 8.77% | 8.95% | 8.95% | 8.35% | -27 bps | |
| Net Worth / Assets | 9.03% | 8.70% | 8.85% | 8.63% | 8.77% | 8.95% | 8.95% | 8.35% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.20% | 73.55% | 75.74% | 74.15% | 74.49% | 75.58% | 74.45% | 73.24% | -92 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |