Memphis, TN · Charter 20722
NCUA · 2 branches
Q4 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2018, the quarter ended December 31, 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.
Memphis, TN · Charter 20722
NCUA · 2 branches
Q4 2018
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.21% | 0.18% | 0.37% | 0.43% | 0.49% | +28 bps | |
| Return on Equity | 1.97% | 1.73% | 3.58% | 4.02% | 4.65% | +267 bps | |
| Net Interest Margin | 4.03% | 4.12% | 4.04% | 4.11% | 4.00% | -3 bps | |
| Efficiency Ratio | 92.12% | 89.77% | 86.17% | 84.41% | 84.12% | -800 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.97% | 6.64% | 6.24% | 8.27% | 7.57% | +259 bps | |
| Loan Growth (YoY) | -0.11% | 0.62% | -0.26% | -2.20% | -3.22% | -311 bps | |
| Share Growth (YoY) | 7.22% | 7.24% | 7.50% | 7.26% | 4.54% | -268 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.45% | 1.17% | 0.56% | 0.42% | 0.27% | -118 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.56% | 1.55% | 1.69% | 1.89% | 1.89% | +33 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.81% | 10.61% | 10.42% | 10.64% | 10.54% | -27 bps | |
| Net Worth / Assets | 10.81% | 10.61% | 10.42% | 10.64% | 10.54% | -27 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.38% | 41.76% | 40.16% | 41.96% | 40.16% | -322 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |