Nashville, TN · Charter 67990
NCUA · 2 branches
Q1 2018
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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 4.08% | 4.49% | 4.65% | 4.78% | 4.52% | +45 bps | |
| Efficiency Ratio | 107.88% | 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 / Loans | 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 |
| Allowance / Loans | 2.99% | 3.78% | 3.85% | 3.70% | 3.56% | +57 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.13% | 5.30% | 5.71% | 5.75% | 5.98% | -15 bps | |
| Net Worth / Assets | 6.13% | 5.30% | 5.71% | 5.75% | 5.98% | -15 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |