Memphis, TN · Charter 1243
Q2 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1996, the quarter ended June 30, 1996, 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 1243
Q2 1996
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.57% | 3.48% | 3.35% | 3.81% | 4.51% | +94 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 | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 10.37% | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 3.62% | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 12.15% | n/a | n/a |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.17% | 0.94% | 0.82% | 1.66% | 2.52% | +135 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.42% | 0.99% | 1.27% | 1.43% | 1.55% | +13 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 | 95.44% | 103.68% | 93.53% | 96.71% | 88.19% | -726 bps | |
| Liquid Assets / Assets | 31.79% | 26.09% | 31.46% | 29.98% | 35.86% | +408 bps | |