Nashville, TN · Charter 67689
NCUA · 1 branch
Q3 2021
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Nashville, TN · Charter 67689
NCUA · 1 branch
Q3 2021
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 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | -0.19% | -0.44% | -0.47% | -0.51% | -0.40% | -0.46% | -0.32% | +15 bps | |
| Return on Equity | 2.61% | -1.67% | -4.16% | -4.75% | -5.40% | -4.51% | -5.08% | -3.48% | +127 bps | |
| Net Interest Margin | 4.49% | 4.07% | 3.68% | 3.41% | 3.23% | 2.73% | 2.84% | 2.87% | -54 bps | |
| Efficiency Ratio | 90.98% | 94.37% | 100.15% | 102.31% | 104.03% | 107.60% | 109.56% | 106.42% | +411 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.80% | 2.46% | 9.51% | 17.91% | 19.47% | 21.49% | 11.18% | 3.33% | -1,458 bps | |
| Loan Growth (YoY) | 0.79% | -4.18% | -10.26% | -7.22% | -12.03% | -10.01% | -5.35% | 0.31% | +752 bps | |
| Share Growth (YoY) | 1.60% | 2.52% | 12.01% | 20.92% | 21.01% | 25.07% | 11.96% | 4.48% | -1,644 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.02% | 2.10% | 0.89% | 0.89% | 0.98% | 0.34% | 0.52% | 1.20% | +31 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 | 0.71% | 0.73% | 0.88% | 1.01% | 1.02% | 0.87% | 0.77% | 0.77% | -25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.89% | 11.33% | 10.69% | 9.90% | 9.44% | 8.79% | 9.08% | 9.18% | -73 bps | |
| Net Worth / Assets | 11.89% | 11.33% | 10.69% | 9.90% | 9.44% | 8.79% | 9.08% | 9.18% | -73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.10% | 87.10% | 77.48% | 73.72% | 68.41% | 62.67% | 65.50% | 70.77% | -295 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |