Memphis, TN · Charter 20722
NCUA · 2 branches
Q4 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | 0.11% | 0.16% | 0.21% | 0.18% | 0.37% | 0.43% | 0.49% | +28 bps | |
| Return on Equity | 0.37% | 1.06% | 1.46% | 1.97% | 1.73% | 3.58% | 4.02% | 4.65% | +267 bps | |
| Net Interest Margin | 4.02% | 3.96% | 4.13% | 4.03% | 4.12% | 4.04% | 4.11% | 4.00% | -3 bps | |
| Efficiency Ratio | 97.02% | 93.50% | 92.40% | 92.12% | 89.77% | 86.17% | 84.41% | 84.12% | -800 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.86% | 8.09% | 3.61% | 4.97% | 6.64% | 6.24% | 8.27% | 7.57% | +259 bps | |
| Loan Growth (YoY) | 2.64% | 1.47% | 5.04% | -0.11% | 0.62% | -0.26% | -2.20% | -3.22% | -311 bps | |
| Share Growth (YoY) | 3.12% | 8.80% | 3.69% | 7.22% | 7.24% | 7.50% | 7.26% | 4.54% | -268 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.06% | 1.09% | 1.09% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.38% | 1.43% | 1.56% | 1.56% | 1.55% | 1.69% | 1.89% | 1.89% | +33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.05% | 10.72% | 11.07% | 10.81% | 10.61% | 10.42% | 10.64% | 10.54% | -27 bps | |
| Net Worth / Assets | 11.05% | 10.72% | 11.07% | 10.81% | 10.61% | 10.42% | 10.64% | 10.54% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.50% | 43.28% | 46.02% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |