Nashville, TN · Charter 60505
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Nashville, TN · Charter 60505
NCUA
Q1 2016
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.15% | 0.11% | 0.13% | 0.12% | 0.19% | +4 bps | |
| Return on Equity | 0.87% | 0.64% | 0.70% | 0.65% | 1.09% | +21 bps | |
| Net Interest Margin | 2.55% | 2.59% | 2.68% | 2.66% | 2.53% | -3 bps | |
| Efficiency Ratio | 90.54% | 92.82% | 93.75% | 94.73% | 93.32% | +279 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.87% | -3.71% | -3.90% | -2.06% | -1.59% | -71 bps | |
| Loan Growth (YoY) | -12.09% | -13.63% | -9.77% | -6.89% | -10.44% | +165 bps | |
| Share Growth (YoY) | -1.37% | -4.80% | -5.05% | -1.51% | -2.93% | -156 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.33% | 0.33% | 0.36% | 0.00% | 0.00% | -33 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.67% | 0.69% | 0.67% | 0.70% | +8 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.18% | 17.47% | 18.10% | 18.02% | 17.58% | +40 bps | |
| Net Worth / Assets | 17.18% | 17.47% | 18.10% | 18.02% | 17.58% | +40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.76% | 35.96% | 37.19% | 35.81% | 33.91% | -284 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |