Knoxville, TN · Charter 67947
NCUA · 1 branch
Q4 2016
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.15% | 0.05% | 0.03% | 0.05% | -1.07% | -122 bps | |
| Return on Equity | 0.99% | 0.33% | 0.22% | 0.34% | -7.40% | -839 bps | |
| Net Interest Margin | 2.98% | 2.69% | 2.80% | 2.72% | 2.76% | -22 bps | |
| Efficiency Ratio | 96.07% | 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 / Loans | 0.93% | 0.18% | 0.69% | 0.22% | 0.12% | -81 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.73% | 0.66% | 0.48% | 0.34% | 0.00% | -73 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.73% | 14.63% | 15.15% | 15.04% | 14.49% | -24 bps | |
| Net Worth / Assets | 14.73% | 14.63% | 15.15% | 15.04% | 14.49% | -24 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.05% | 83.95% | 83.88% | 82.69% | 84.85% | +180 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |