Memphis, TN · Charter 6370
NCUA · 2 branches
Q2 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.57% | 1.16% | 1.36% | 1.44% | 1.40% | 1.27% | 1.20% | -16 bps | |
| Return on Equity | 4.93% | 3.04% | 6.71% | 7.83% | 8.08% | 7.83% | 7.33% | 6.86% | -98 bps | |
| Net Interest Margin | 3.54% | 3.11% | 3.46% | 3.50% | 3.57% | 3.55% | 3.48% | 3.50% | 0 bps | |
| Efficiency Ratio | 75.15% | 80.87% | 70.74% | 68.11% | 67.38% | 67.08% | 66.24% | 67.50% | -60 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.22% | 8.22% | 11.56% | 15.01% | 11.34% | 13.02% | 9.31% | 7.34% | -767 bps | |
| Loan Growth (YoY) | 28.75% | 24.16% | 16.52% | 13.69% | 9.13% | 11.40% | 7.69% | 5.49% | -820 bps | |
| Share Growth (YoY) | 5.85% | 9.17% | 13.26% | 17.05% | 13.03% | 14.47% | 9.78% | 7.57% | -948 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 0.44% | 0.42% | 0.75% | 0.95% | 1.77% | 1.23% | 1.14% | +39 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.73% | 18.61% | 17.36% | 17.34% | 17.79% | 17.86% | 17.26% | 17.44% | +10 bps | |
| Net Worth / Assets | 18.73% | 18.61% | 17.36% | 17.34% | 17.79% | 17.86% | 17.26% | 17.44% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.64% | 102.35% | 95.50% | 97.52% | 100.07% | 99.60% | 93.68% | 95.63% | -188 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |