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Employees' Credit Association

Nashville, TN · Charter 60505

NCUA

Q1 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Employees' Credit Association

Nashville, TN · Charter 60505

NCUA

Q1 2016

$31.1MAssets
$8.5MLoans
$25.2MShares
$5.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.19%, up 4 bps year over year; NIM at 2.53%.
  • Asset quality: problem loans at 0.00% of loans (-33 bps YoY).
  • Capital: net worth / assets of 17.58%, up 40 bps from a year ago.
  • Funding: loans stand at 33.91% of shares as of Q1 2016.

Return on Assets (YTD, annualized)

0.19%+4 bps YoY

Net Interest Margin (YTD, annualized)

2.53%-3 bps YoY

Efficiency Ratio (YTD, annualized)

93.32%+279 bps YoY

Net Worth / Assets

17.58%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets0.13%0.18%0.15%0.15%0.11%0.13%0.12%0.19%+4 bps
Return on Equity0.75%1.02%0.87%0.87%0.64%0.70%0.65%1.09%+21 bps
Net Interest Margin2.66%2.74%2.75%2.55%2.59%2.68%2.66%2.53%-3 bps
Efficiency Ratio94.39%93.87%94.61%90.54%92.82%93.75%94.73%93.32%+279 bps
Growth
Asset Growth (YoY)1.31%-0.29%1.53%-0.87%-3.71%-3.90%-2.06%-1.59%-71 bps
Loan Growth (YoY)-3.40%-10.10%-14.21%-12.09%-13.63%-9.77%-6.89%-10.44%+165 bps
Share Growth (YoY)1.84%-0.72%0.90%-1.37%-4.80%-5.05%-1.51%-2.93%-156 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.38%0.33%0.33%0.36%0.00%0.00%-33 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.52%0.52%0.55%0.62%0.67%0.69%0.67%0.70%+8 bps
Capital
Risk-Based Capital16.69%17.28%17.53%17.18%17.47%18.10%18.02%17.58%+40 bps
Net Worth / Assets16.69%17.28%17.53%17.18%17.47%18.10%18.02%17.58%+40 bps
Liquidity & Funding
Loans / Shares39.64%39.14%37.88%36.76%35.96%37.19%35.81%33.91%-284 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps