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Baptist Hospital

Nashville, TN · Charter 67689

NCUA · 1 branch

Q3 2021

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: Q3 2021, the quarter ended September 30, 2021, 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

Baptist Hospital

Nashville, TN · Charter 67689

NCUA · 1 branch

Q3 2021

$41.2MAssets
$26.3MLoans
$37.2MShares
$3.8MNet 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 -0.32%, up 15 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 1.20% of loans (+31 bps YoY).
  • Capital: net worth / assets of 9.18%, down 73 bps from a year ago.
  • Funding: loans stand at 70.77% of shares as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

-0.32%+15 bps YoY

Net Interest Margin (YTD, annualized)

2.87%-54 bps YoY

Efficiency Ratio (YTD, annualized)

106.42%+411 bps YoY

Net Worth / Assets

9.18%-73 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets-0.47%-0.51%-0.40%-0.46%-0.32%+15 bps
Return on Equity-4.75%-5.40%-4.51%-5.08%-3.48%+127 bps
Net Interest Margin3.41%3.23%2.73%2.84%2.87%-54 bps
Efficiency Ratio102.31%104.03%107.60%109.56%106.42%+411 bps
Growth
Asset Growth (YoY)17.91%19.47%21.49%11.18%3.33%-1,458 bps
Loan Growth (YoY)-7.22%-12.03%-10.01%-5.35%0.31%+752 bps
Share Growth (YoY)20.92%21.01%25.07%11.96%4.48%-1,644 bps
Asset Quality
Delinquent Loans / Loans0.89%0.98%0.34%0.52%1.20%+31 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.01%1.02%0.87%0.77%0.77%-25 bps
Capital
Risk-Based Capital9.90%9.44%8.79%9.08%9.18%-73 bps
Net Worth / Assets9.90%9.44%8.79%9.08%9.18%-73 bps
Liquidity & Funding
Loans / Shares73.72%68.41%62.67%65.50%70.77%-295 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps