Nashville, TN · Charter 68074
NCUA · 1 branch
Q1 2017
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 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.13% | -0.06% | -0.23% | -0.19% | -0.34% | -21 bps | |
| Return on Equity | -0.51% | -0.24% | -0.92% | -0.78% | -1.33% | -82 bps | |
| Net Interest Margin | 2.67% | 2.57% | 2.62% | 2.59% | 2.57% | -10 bps | |
| Efficiency Ratio | 96.26% | 96.73% | 94.13% | 95.60% | 103.89% | +763 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.24% | 0.76% | -2.89% | -0.78% | -3.77% | +47 bps | |
| Loan Growth (YoY) | -7.51% | -5.21% | -2.75% | -3.39% | -7.10% | +41 bps | |
| Share Growth (YoY) | -5.48% | 1.09% | -3.47% | -0.77% | -4.75% | +74 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.13% | 0.31% | 0.22% | 0.04% | +4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.75% | 0.79% | 0.94% | 1.03% | 1.18% | +43 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.75% | 24.11% | 24.54% | 24.43% | 25.47% | +72 bps | |
| Net Worth / Assets | 24.75% | 24.11% | 24.54% | 24.43% | 25.47% | +72 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.85% | 40.63% | 41.25% | 40.65% | 40.81% | -103 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |