Memphis, TN · Charter 12213
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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 12213
Q2 2000
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.24% | 2.46% | 2.83% | 0.72% | 0.06% | -218 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 1.91% | 3.74% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 63.28% | 98.46% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -7.89% | 2.92% | -0.93% | -8.50% | -0.88% | +701 bps | |
| Loan Growth (YoY) | -51.54% | -34.88% | -29.67% | -28.76% | -32.43% | +1,911 bps | |
| Share Growth (YoY) | -10.75% | 2.49% | -2.07% | -12.00% | -2.66% | +809 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.76% | 3.49% | 3.71% | 3.20% | 6.21% | +44 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.70% | 1.24% | 1.60% | 1.78% | 2.52% | +82 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 31.65% | 41.26% | 33.91% | 33.46% | 21.97% | -968 bps | |
| Liquid Assets / Assets | 54.90% | 54.28% | 58.74% | 63.67% | 0.00% | -5,490 bps | |