Memphis, TN · Charter 67989
NCUA · 4 branches
Q2 2017
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.20% | 0.16% | 0.15% | -0.44% | -3.29% | -349 bps | |
| Return on Equity | 2.03% | 1.54% | 1.48% | -4.28% | -37.24% | -3,927 bps | |
| Net Interest Margin | 3.04% | 3.07% | 3.13% | 2.98% | 3.00% | -3 bps | |
| Efficiency Ratio | 109.84% | 106.02% | 103.64% | 106.60% | 186.76% | +7,692 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.96% | 14.78% | -13.81% | -6.43% | -3.67% | -1,463 bps | |
| Loan Growth (YoY) | -11.09% | -13.50% | -11.70% | -10.36% | -7.64% | +346 bps | |
| Share Growth (YoY) | 12.83% | 17.26% | -15.16% | -7.20% | -1.98% | -1,481 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.60% | 1.38% | 1.43% | 1.47% | 1.45% | -15 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.04% | 10.17% | 10.41% | 10.30% | 8.83% | -121 bps | |
| Net Worth / Assets | 10.04% | 10.17% | 10.41% | 10.30% | 8.83% | -121 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |