PackageTrendsPeer
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Employment Security

Nashville, TN · Charter 68074

NCUA · 1 branch

Q1 2017

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 2017, the quarter ended March 31, 2017, 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

Employment Security

Nashville, TN · Charter 68074

NCUA · 1 branch

Q1 2017

$12.3MAssets
$3.7MLoans
$9.1MShares
$3.1MNet Worth

Executive Summary

  • Earnings: ROA of -0.34%, down 21 bps year over year; NIM at 2.57%.
  • Asset quality: problem loans at 0.04% of loans (+4 bps YoY).
  • Capital: net worth / assets of 25.47%, up 72 bps from a year ago.
  • Funding: loans stand at 40.81% of shares as of Q1 2017.

Return on Assets (YTD, annualized)

-0.34%-21 bps YoY

Net Interest Margin (YTD, annualized)

2.57%-10 bps YoY

Efficiency Ratio (YTD, annualized)

103.89%+763 bps YoY

Net Worth / Assets

25.47%+72 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets0.20%0.24%0.12%-0.13%-0.06%-0.23%-0.19%-0.34%-21 bps
Return on Equity0.83%1.00%0.50%-0.51%-0.24%-0.92%-0.78%-1.33%-82 bps
Net Interest Margin2.82%2.75%2.78%2.67%2.57%2.62%2.59%2.57%-10 bps
Efficiency Ratio94.20%92.94%91.82%96.26%96.73%94.13%95.60%103.89%+763 bps
Growth
Asset Growth (YoY)-4.82%0.14%-2.08%-4.24%0.76%-2.89%-0.78%-3.77%+47 bps
Loan Growth (YoY)-5.71%-13.25%-9.85%-7.51%-5.21%-2.75%-3.39%-7.10%+41 bps
Share Growth (YoY)-6.51%-0.02%-2.87%-5.48%1.09%-3.47%-0.77%-4.75%+74 bps
Asset Quality
Delinquent Loans / Loans0.22%1.47%0.95%0.00%0.13%0.31%0.22%0.04%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.96%0.98%0.77%0.75%0.79%0.94%1.03%1.18%+43 bps
Capital
Risk-Based Capital24.30%24.05%24.43%24.75%24.11%24.54%24.43%25.47%+72 bps
Net Worth / Assets24.30%24.05%24.43%24.75%24.11%24.54%24.43%25.47%+72 bps
Liquidity & Funding
Loans / Shares43.32%40.94%41.75%41.85%40.63%41.25%40.65%40.81%-103 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps