Memphis, TN · Charter 20051
Q2 1998
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.72% | 2.04% | 3.68% | 2.57% | 0.00% | -572 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) | -13.72% | -28.79% | -30.59% | -36.97% | -99.63% | -8,590 bps | |
| Loan Growth (YoY) | -1.29% | -6.56% | -28.09% | -54.48% | -100.00% | -9,871 bps | |
| Share Growth (YoY) | -22.61% | -38.14% | -39.18% | -47.06% | -100.00% | -7,739 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.88% | 4.54% | 6.86% | 0.24% | n/a | n/a | |
| 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 | 64.95% | 79.67% | 55.97% | 45.21% | n/a | n/a | |
| Liquid Assets / Assets | 49.10% | 35.93% | 51.30% | 51.99% | 0.00% | -4,910 bps | |