Memphis, TN · Charter 67755
NCUA · 2 branches
Q1 2018
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.53% | 0.42% | 0.22% | 0.21% | 0.32% | 0.24% | -7.14% | -737 bps | |
| Return on Equity | 3.40% | 3.04% | 2.41% | 1.35% | 1.28% | 1.81% | 1.36% | -47.82% | -4,917 bps | |
| Net Interest Margin | 2.95% | 3.10% | 3.13% | 2.95% | 2.89% | 3.06% | 3.08% | 2.76% | -19 bps | |
| Efficiency Ratio | 86.39% | 87.92% | 88.29% | 93.74% | 94.36% | 92.48% | 94.26% | 290% | +19,628 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.82% | 4.45% | 5.55% | 1.15% | 2.05% | 1.14% | 1.15% | -0.05% | -120 bps | |
| Loan Growth (YoY) | 5.27% | 6.05% | 2.74% | -3.30% | -9.31% | -8.74% | -13.52% | -10.53% | -722 bps | |
| Share Growth (YoY) | 8.43% | 4.64% | 5.99% | 0.90% | 2.67% | 1.07% | 0.82% | 1.38% | +48 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 1.42% | 2.42% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.26% | 1.96% | 1.88% | 1.62% | 1.75% | 1.73% | 1.61% | 1.69% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.56% | 17.37% | 17.60% | 16.54% | 16.45% | 17.44% | 17.64% | 14.94% | -161 bps | |
| Net Worth / Assets | 16.56% | 17.37% | 17.60% | 16.54% | 16.45% | 17.44% | 17.64% | 14.94% | -161 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.78% | 39.41% | 40.94% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |