Nashville, TN · Charter 68075
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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 68075
Q3 2015
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.75% | -0.47% | -1.17% | -0.11% | -0.21% | +54 bps | |
| Return on Equity | -2.27% | -1.31% | -3.34% | -0.32% | -0.64% | +164 bps | |
| Net Interest Margin | 3.81% | 4.21% | 4.81% | 4.22% | 4.22% | +42 bps | |
| Efficiency Ratio | 115.28% | 108.23% | 97.02% | 110.37% | 108.96% | -632 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.97% | -1.11% | -4.20% | 2.94% | 0.72% | -325 bps | |
| Loan Growth (YoY) | 10.49% | 10.69% | 11.59% | 22.87% | 23.66% | +1,317 bps | |
| Share Growth (YoY) | 7.61% | -1.03% | -5.58% | 4.41% | 1.12% | -649 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.27% | 0.00% | 0.22% | +22 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.36% | 0.34% | 0.90% | 0.03% | 0.06% | -30 bps | |
| Capital | |||||||
| Risk-Based Capital | 32.91% | 35.99% | 35.05% | 32.74% | 32.65% | -26 bps | |
| Net Worth / Assets | 32.91% | 35.99% | 35.05% | 32.74% | 32.65% | -26 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.82% | 94.90% | 91.31% | 91.19% | 95.16% | +1,734 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |