Adamsville, TN · Charter 67791
NCUA · 1 branch
Q1 2022
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 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.05% | -0.22% | -0.39% | -0.16% | -0.18% | -0.04% | 0.09% | -0.05% | +12 bps | |
| Return on Equity | -0.18% | -0.84% | -1.47% | -0.64% | -0.75% | -0.15% | 0.34% | -0.20% | +44 bps | |
| Net Interest Margin | 4.55% | 4.37% | 4.29% | 4.27% | 4.20% | 4.20% | 4.36% | 4.04% | -23 bps | |
| Efficiency Ratio | 100.94% | 104.49% | 108.01% | 103.47% | 103.89% | 100.74% | 98.33% | 101.05% | -242 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.06% | 8.54% | 6.61% | 4.66% | 7.50% | 6.44% | 4.72% | 6.29% | +163 bps | |
| Loan Growth (YoY) | -8.35% | -6.04% | -7.25% | 10.75% | 32.04% | 36.90% | 40.49% | 16.30% | +556 bps | |
| Share Growth (YoY) | 8.56% | 12.48% | 10.14% | 7.09% | 10.85% | 9.05% | 6.22% | 8.41% | +132 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.35% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 1.42% | 1.43% | 1.36% | 1.21% | 1.07% | 1.04% | 0.97% | 1.04% | -17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.82% | 26.15% | 26.53% | 25.66% | 24.52% | 24.34% | 25.43% | 24.25% | -141 bps | |
| Net Worth / Assets | 26.82% | 26.15% | 26.53% | 25.66% | 24.52% | 24.34% | 25.43% | 24.25% | -141 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.49% | 71.13% | 76.47% | 82.11% | 87.54% | 89.29% | 101.14% | 88.08% | +598 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |