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Health Systems

Knoxville, TN · Charter 67736

NCUA · 1 branch

Q3 2020

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 2020, the quarter ended September 30, 2020, 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

Health Systems

Knoxville, TN · Charter 67736

NCUA · 1 branch

Q3 2020

$5.0MAssets
$2.2MLoans
$4.7MShares
$232KNet 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 -0.81%, up 120 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 0.03% of loans (+3 bps YoY).
  • Capital: net worth / assets of 4.68%, down 112 bps from a year ago.
  • Funding: loans stand at 45.52% of shares as of Q3 2020.

Financial Results

Return on Assets (YTD, annualized)

-0.81%+120 bps YoY

Net Interest Margin (YTD, annualized)

2.80%-25 bps YoY

Efficiency Ratio (YTD, annualized)

122.01%-2,496 bps YoY

Net Worth / Assets

4.68%-112 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020YoY ΔTrend
Earnings
Return on Assets-2.01%-1.79%-0.35%-0.62%-0.81%+120 bps
Return on Equity-34.58%-30.32%-6.44%-12.19%-17.20%+1,738 bps
Net Interest Margin3.05%3.21%3.01%2.90%2.80%-25 bps
Efficiency Ratio146.97%139.10%108.36%115.98%122.01%-2,496 bps
Growth
Asset Growth (YoY)-11.96%-6.12%-5.06%1.40%6.27%+1,823 bps
Loan Growth (YoY)-9.78%-10.60%-3.46%-0.37%2.27%+1,205 bps
Share Growth (YoY)-10.99%-4.79%-3.97%1.84%7.73%+1,872 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%1.13%0.03%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.41%0.47%0.45%0.45%0.45%+4 bps
Capital
Risk-Based Capital5.80%5.89%5.47%5.05%4.68%-112 bps
Net Worth / Assets5.80%5.89%5.47%5.05%4.68%-112 bps
Liquidity & Funding
Loans / Shares47.96%48.72%47.84%46.11%45.52%-243 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps