Dyersburg, TN · Charter 68078
Q3 2011
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 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.37% | 0.66% | 1.18% | 0.77% | +31 bps | |
| Return on Equity | 5.48% | 4.43% | 7.29% | 12.27% | 8.29% | +281 bps | |
| Net Interest Margin | 6.53% | 6.24% | 5.45% | 5.32% | 5.10% | -143 bps | |
| Efficiency Ratio | 60.52% | 59.60% | 77.60% | 79.16% | 86.08% | +2,556 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -15.54% | -15.74% | -14.93% | -6.62% | -0.04% | +1,550 bps | |
| Loan Growth (YoY) | -10.29% | -20.48% | -31.35% | -30.86% | -26.09% | -1,579 bps | |
| Share Growth (YoY) | -16.31% | -15.16% | -16.50% | -8.27% | -1.50% | +1,481 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.20% | 3.68% | 1.68% | 2.81% | 1.51% | -69 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.61% | 8.15% | 10.51% | 10.14% | 9.56% | +395 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.46% | 8.43% | 9.04% | 9.62% | 9.32% | +87 bps | |
| Net Worth / Assets | 8.46% | 8.43% | 9.04% | 9.62% | 9.32% | +87 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.04% | 68.87% | 61.06% | 59.61% | 57.82% | -1,923 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |