Memphis, TN · Charter 68065
Q4 2011
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.28% | -6.41% | -2.98% | -2.41% | -7.43% | -315 bps | |
| Return on Equity | -47.99% | -93.72% | -42.26% | -36.17% | -506% | -45,830 bps | |
| Net Interest Margin | 5.79% | 4.42% | 4.76% | 4.46% | 4.47% | -132 bps | |
| Efficiency Ratio | 91.44% | 276% | 151.01% | 139.42% | 214% | +12,271 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.63% | -1.20% | -1.41% | -2.32% | -2.76% | +387 bps | |
| Loan Growth (YoY) | -17.54% | -30.27% | -33.03% | -34.75% | -31.65% | -1,411 bps | |
| Share Growth (YoY) | -3.05% | 4.91% | 3.66% | 3.00% | 1.08% | +414 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.88% | 2.71% | 1.10% | 1.52% | 2.28% | +40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.67% | 6.21% | 5.75% | 5.62% | 5.41% | -26 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.93% | 6.84% | 7.05% | 6.67% | 1.47% | -746 bps | |
| Net Worth / Assets | 8.93% | 6.84% | 7.05% | 6.67% | 1.47% | -746 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.98% | 60.31% | 56.21% | 51.16% | 50.02% | -2,396 bps | |
| Liquid Assets / Assets | 0.00% | 99.22% | 0.00% | 0.00% | 0.00% | 0 bps | |