Memphis, TN · Charter 60117
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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 60117
Q1 2010
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | 1.05% | 0.38% | -0.20% | 0.96% | +91 bps | |
| Return on Equity | 0.64% | 11.22% | 4.02% | -2.20% | 10.63% | +999 bps | |
| Net Interest Margin | 3.36% | 3.75% | 4.31% | 4.13% | 3.18% | -18 bps | |
| Efficiency Ratio | 86.96% | 61.75% | 59.18% | 71.42% | 73.54% | -1,342 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.80% | -2.77% | -0.91% | -1.80% | -3.38% | -518 bps | |
| Loan Growth (YoY) | -0.08% | -9.35% | -15.59% | -16.28% | -17.51% | -1,742 bps | |
| Share Growth (YoY) | 5.81% | -1.07% | 0.41% | -0.52% | -3.27% | -908 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.04% | 1.78% | 1.95% | 1.76% | 6.24% | +520 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.43% | 4.32% | 5.92% | 6.32% | 6.47% | +304 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.78% | 9.32% | 9.38% | 9.03% | 9.04% | +26 bps | |
| Net Worth / Assets | 8.78% | 9.32% | 9.38% | 9.03% | 9.04% | +26 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.76% | 51.86% | 51.84% | 50.43% | 46.70% | -806 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |