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Knoxville News-Sentinel Employees

Knoxville, TN · Charter 67947

NCUA · 1 branch

Q4 2016

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: Q4 2016, the quarter ended December 31, 2016, 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

Knoxville News-Sentinel Employees

Knoxville, TN · Charter 67947

NCUA · 1 branch

Q4 2016

$8.0MAssets
$5.8MLoans
$6.8MShares
$1.2MNet 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 -1.07%, down 122 bps year over year; NIM at 2.76%.
  • Asset quality: problem loans at 0.12% of loans (-81 bps YoY).
  • Capital: net worth / assets of 14.49%, down 24 bps from a year ago.
  • Funding: loans stand at 84.85% of shares as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

-1.07%-122 bps YoY

Net Interest Margin (YTD, annualized)

2.76%-22 bps YoY

Efficiency Ratio (YTD, annualized)

118.43%+2,236 bps YoY

Net Worth / Assets

14.49%-24 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets0.15%0.05%0.03%0.05%-1.07%-122 bps
Return on Equity0.99%0.33%0.22%0.34%-7.40%-839 bps
Net Interest Margin2.98%2.69%2.80%2.72%2.76%-22 bps
Efficiency Ratio96.07%98.63%99.10%98.59%118.43%+2,236 bps
Growth
Asset Growth (YoY)6.74%12.38%6.32%11.19%-5.38%-1,212 bps
Loan Growth (YoY)-7.19%-2.76%-5.03%-2.36%-3.64%+355 bps
Share Growth (YoY)7.70%14.54%7.45%13.31%-5.68%-1,338 bps
Asset Quality
Delinquent Loans / Loans0.93%0.18%0.69%0.22%0.12%-81 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.73%0.66%0.48%0.34%0.00%-73 bps
Capital
Risk-Based Capital14.73%14.63%15.15%15.04%14.49%-24 bps
Net Worth / Assets14.73%14.63%15.15%15.04%14.49%-24 bps
Liquidity & Funding
Loans / Shares83.05%83.95%83.88%82.69%84.85%+180 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps