PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Dixie Greyhound

Memphis, TN · Charter 6370

NCUA · 2 branches

Q2 2025

$47.5MAssets
$37.2MLoans
$38.9MShares
$8.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.20%, down 16 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 1.14% of loans (+39 bps YoY).
  • Capital: net worth / assets of 17.44%, up 10 bps from a year ago.
  • Funding: loans stand at 95.63% of shares as of Q2 2025.

Financial Results

Return on Assets (YTD, annualized)

1.20%-16 bps YoY

Net Interest Margin (YTD, annualized)

3.50%0 bps YoY

Efficiency Ratio (YTD, annualized)

67.50%-60 bps YoY

Net Worth / Assets

17.44%+10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets1.36%1.44%1.40%1.27%1.20%-16 bps
Return on Equity7.83%8.08%7.83%7.33%6.86%-98 bps
Net Interest Margin3.50%3.57%3.55%3.48%3.50%0 bps
Efficiency Ratio68.11%67.38%67.08%66.24%67.50%-60 bps
Growth
Asset Growth (YoY)15.01%11.34%13.02%9.31%7.34%-767 bps
Loan Growth (YoY)13.69%9.13%11.40%7.69%5.49%-820 bps
Share Growth (YoY)17.05%13.03%14.47%9.78%7.57%-948 bps
Asset Quality
Delinquent Loans / Loans0.75%0.95%1.77%1.23%1.14%+39 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.34%17.79%17.86%17.26%17.44%+10 bps
Net Worth / Assets17.34%17.79%17.86%17.26%17.44%+10 bps
Liquidity & Funding
Loans / Shares97.52%100.07%99.60%93.68%95.63%-188 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps