Jackson, TN · Charter 67969
Q1 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.59% | -0.67% | -0.78% | -0.93% | -1.41% | +217 bps | |
| Return on Equity | -15.68% | -2.81% | -3.32% | -3.74% | -6.31% | +936 bps | |
| Net Interest Margin | 4.58% | 4.01% | 3.84% | 3.91% | 2.94% | -164 bps | |
| Efficiency Ratio | 90.82% | 94.69% | 83.12% | 87.34% | 109.81% | +1,899 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.02% | -14.41% | -8.83% | -2.84% | 0.76% | +1,178 bps | |
| Loan Growth (YoY) | -21.40% | -26.46% | -31.04% | -27.56% | -23.99% | -259 bps | |
| Share Growth (YoY) | -13.68% | -17.96% | -11.01% | -2.38% | 1.75% | +1,543 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.30% | 2.36% | 6.24% | 10.41% | 6.84% | +653 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.05% | 3.20% | 4.26% | 4.69% | 5.70% | +165 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.88% | 23.68% | 23.56% | 24.72% | 22.39% | -49 bps | |
| Net Worth / Assets | 22.88% | 23.68% | 23.56% | 24.72% | 22.39% | -49 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.13% | 71.95% | 63.12% | 70.23% | 57.62% | -1,951 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |