Nashville, TN · Charter 14081
NCUA · 2 branches
Q3 2024
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 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 1.28% | 1.35% | 1.16% | 1.05% | 0.00% | 1.05% | -9.55% | -1,071 bps | |
| Return on Equity | 6.10% | 6.21% | 6.46% | 5.46% | 4.86% | 0.00% | 4.40% | -55.26% | -6,073 bps | |
| Net Interest Margin | 2.58% | 3.56% | 3.52% | 3.62% | 3.66% | 3.60% | 3.75% | -3.04% | -667 bps | |
| Efficiency Ratio | 55.85% | 65.21% | 63.32% | 62.90% | 64.40% | 76.55% | 73.01% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.71% | -0.32% | 3.18% | -2.31% | -4.05% | -8.89% | -11.36% | -12.44% | -1,013 bps | |
| Loan Growth (YoY) | 2.75% | 3.39% | 4.19% | -1.76% | 3.62% | -2.13% | 3.73% | -4.09% | -233 bps | |
| Share Growth (YoY) | 0.61% | -2.30% | 1.69% | -5.10% | -6.33% | -12.16% | -14.84% | -13.94% | -884 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 3.19% | 4.10% | 4.82% | 4.44% | 4.01% | 3.27% | 0.00% | -482 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 | 1.86% | 1.74% | 1.84% | 1.22% | 1.22% | 1.46% | 1.59% | 0.00% | -122 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.77% | 20.68% | 20.83% | 21.22% | 21.65% | 23.49% | 23.90% | 17.27% | -395 bps | |
| Net Worth / Assets | 19.77% | 20.68% | 20.83% | 21.22% | 21.65% | 23.49% | 23.90% | 17.27% | -395 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.10% | 56.06% | 53.11% | 53.87% | 56.53% | 62.45% | 64.68% | 60.03% | +617 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |