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N.G.H.

Nashville, TN · Charter 67990

NCUA · 2 branches

Q1 2018

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: Q1 2018, the quarter ended March 31, 2018, 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

N.G.H.

Nashville, TN · Charter 67990

NCUA · 2 branches

Q1 2018

$6.2MAssets
$3.8MLoans
$5.8MShares
$371KNet 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 0.62%, up 482 bps year over year; NIM at 4.52%.
  • Asset quality: problem loans at 4.94% of loans (+312 bps YoY).
  • Capital: net worth / assets of 5.98%, down 15 bps from a year ago.
  • Funding: loans stand at 66.56% of shares as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

0.62%+482 bps YoY

Net Interest Margin (YTD, annualized)

4.52%+45 bps YoY

Efficiency Ratio (YTD, annualized)

91.62%-1,627 bps YoY

Net Worth / Assets

5.98%-15 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets-4.20%-4.73%-2.57%-2.17%0.62%+482 bps
Return on Equity-68.56%-89.29%-44.99%-37.81%10.34%+7,891 bps
Net Interest Margin4.08%4.49%4.65%4.78%4.52%+45 bps
Efficiency Ratio107.88%114.60%101.86%100.56%91.62%-1,627 bps
Growth
Asset Growth (YoY)2.98%-10.06%-7.81%-6.92%-10.30%-1,328 bps
Loan Growth (YoY)8.25%8.01%7.19%0.60%1.15%-710 bps
Share Growth (YoY)9.04%-8.03%-6.19%-5.10%-10.91%-1,995 bps
Asset Quality
Delinquent Loans / Loans1.82%2.15%1.98%3.27%4.94%+312 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.99%3.78%3.85%3.70%3.56%+57 bps
Capital
Risk-Based Capital6.13%5.30%5.71%5.75%5.98%-15 bps
Net Worth / Assets6.13%5.30%5.71%5.75%5.98%-15 bps
Liquidity & Funding
Loans / Shares58.62%60.73%60.41%64.24%66.56%+794 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps