Memphis, TN · Charter 67755
NCUA · 2 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
Memphis, TN · Charter 67755
NCUA · 2 branches
Q1 2018
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.22% | 0.21% | 0.32% | 0.24% | -7.14% | -737 bps | |
| Return on Equity | 1.35% | 1.28% | 1.81% | 1.36% | -47.82% | -4,917 bps | |
| Net Interest Margin | 2.95% | 2.89% | 3.06% | 3.08% | 2.76% | -19 bps | |
| Efficiency Ratio | 93.74% | 94.36% | 92.48% | 94.26% | 290% | +19,628 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.15% | 2.05% | 1.14% | 1.15% | -0.05% | -120 bps | |
| Loan Growth (YoY) | -3.30% | -9.31% | -8.74% | -13.52% | -10.53% | -722 bps | |
| Share Growth (YoY) | 0.90% | 2.67% | 1.07% | 0.82% | 1.38% | +48 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.95% | 2.35% | 2.18% | 2.00% | 1.85% | -10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.62% | 1.75% | 1.73% | 1.61% | 1.69% | +7 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.54% | 16.45% | 17.44% | 17.64% | 14.94% | -161 bps | |
| Net Worth / Assets | 16.54% | 16.45% | 17.44% | 17.64% | 14.94% | -161 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.04% | 32.49% | 35.59% | 35.12% | 30.93% | -411 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |