Memphis, TN · Charter 67989
NCUA · 4 branches
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 30, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Memphis, TN · Charter 67989
NCUA · 4 branches
Q2 2017
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | -0.22% | -0.55% | 0.20% | 0.16% | 0.15% | -0.44% | -3.29% | -349 bps | |
| Return on Equity | 0.20% | -2.50% | -5.79% | 2.03% | 1.54% | 1.48% | -4.28% | -37.24% | -3,927 bps | |
| Net Interest Margin | 3.70% | 2.82% | 2.94% | 3.04% | 3.07% | 3.13% | 2.98% | 3.00% | -3 bps | |
| Efficiency Ratio | 99.50% | 102.55% | 114.98% | 109.84% | 106.02% | 103.64% | 106.60% | 186.76% | +7,692 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.51% | 20.49% | 12.47% | 10.96% | 14.78% | -13.81% | -6.43% | -3.67% | -1,463 bps | |
| Loan Growth (YoY) | -5.90% | -9.29% | -8.69% | -11.09% | -13.50% | -11.70% | -10.36% | -7.64% | +346 bps | |
| Share Growth (YoY) | -5.59% | 23.58% | 14.77% | 12.83% | 17.26% | -15.16% | -7.20% | -1.98% | -1,481 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 1.92% | 0.68% | 0.49% | 1.18% | 0.55% | 0.59% | 1.22% | +73 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 | 1.21% | 1.53% | 1.48% | 1.60% | 1.38% | 1.43% | 1.47% | 1.45% | -15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.85% | 8.84% | 9.46% | 10.04% | 10.17% | 10.41% | 10.30% | 8.83% | -121 bps | |
| Net Worth / Assets | 11.85% | 8.84% | 9.46% | 10.04% | 10.17% | 10.41% | 10.30% | 8.83% | -121 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.75% | 36.46% | 38.55% | 38.68% | 38.91% | 37.95% | 37.24% | 36.45% | -223 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |