Nashville, TN · Charter 67990
NCUA · 2 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Nashville, TN · Charter 67990
NCUA · 2 branches
Q1 2018
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.31% | -4.17% | -3.71% | -4.20% | -4.73% | -2.57% | -2.17% | 0.62% | +482 bps | |
| Return on Equity | -69.02% | -56.08% | -50.50% | -68.56% | -89.29% | -44.99% | -37.81% | 10.34% | +7,891 bps | |
| Net Interest Margin | 4.22% | 4.27% | 4.44% | 4.08% | 4.49% | 4.65% | 4.78% | 4.52% | +45 bps | |
| Efficiency Ratio | 72.79% | 90.54% | 94.43% | 107.88% | 114.60% | 101.86% | 100.56% | 91.62% | -1,627 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.22% | 2.55% | -1.39% | 2.98% | -10.06% | -7.81% | -6.92% | -10.30% | -1,328 bps | |
| Loan Growth (YoY) | -5.49% | -5.67% | 5.06% | 8.25% | 8.01% | 7.19% | 0.60% | 1.15% | -710 bps | |
| Share Growth (YoY) | 8.35% | 10.02% | 3.60% | 9.04% | -8.03% | -6.19% | -5.10% | -10.91% | -1,995 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.49% | 4.92% | 4.11% | 1.82% | 2.15% | 1.98% | 3.27% | 4.94% | +312 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 | 3.80% | 3.63% | 2.77% | 2.99% | 3.78% | 3.85% | 3.70% | 3.56% | +57 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.69% | 7.43% | 7.35% | 6.13% | 5.30% | 5.71% | 5.75% | 5.98% | -15 bps | |
| Net Worth / Assets | 7.69% | 7.43% | 7.35% | 6.13% | 5.30% | 5.71% | 5.75% | 5.98% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.71% | 52.87% | 60.60% | 58.62% | 60.73% | 60.41% | 64.24% | 66.56% | +794 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |