Knoxville, TN · Charter 67736
NCUA · 1 branch
Q3 2020
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Knoxville, TN · Charter 67736
NCUA · 1 branch
Q3 2020
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 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.57% | -1.58% | -3.35% | -2.01% | -1.79% | -0.35% | -0.62% | -0.81% | +120 bps | |
| Return on Equity | -7.90% | -24.37% | -61.99% | -34.58% | -30.32% | -6.44% | -12.19% | -17.20% | +1,738 bps | |
| Net Interest Margin | 2.99% | 2.72% | 2.87% | 3.05% | 3.21% | 3.01% | 2.90% | 2.80% | -25 bps | |
| Efficiency Ratio | 129.79% | 142.02% | 184.03% | 146.97% | 139.10% | 108.36% | 115.98% | 122.01% | -2,496 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.43% | -6.61% | -12.27% | -11.96% | -6.12% | -5.06% | 1.40% | 6.27% | +1,823 bps | |
| Loan Growth (YoY) | -8.42% | -12.31% | -10.96% | -9.78% | -10.60% | -3.46% | -0.37% | 2.27% | +1,205 bps | |
| Share Growth (YoY) | -11.96% | -5.70% | -11.33% | -10.99% | -4.79% | -3.97% | 1.84% | 7.73% | +1,872 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.13% | 0.03% | +3 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 | 0.23% | 0.32% | 0.38% | 0.41% | 0.47% | 0.45% | 0.45% | 0.45% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.20% | 6.49% | 5.40% | 5.80% | 5.89% | 5.47% | 5.05% | 4.68% | -112 bps | |
| Net Worth / Assets | 7.20% | 6.49% | 5.40% | 5.80% | 5.89% | 5.47% | 5.05% | 4.68% | -112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.89% | 47.59% | 47.13% | 47.96% | 48.72% | 47.84% | 46.11% | 45.52% | -243 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |