First South
Bartlett, TN · Charter 68084 · Peer group: credit unions under $1B in assets (n=1,748-1,753)
NCUA · 16 branches
Q2 2024
$766.0MAssets
$524.2MLoans
$532.6MShares
$232.3MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 98% of credit unions under $1B in assets (rank 43 of 1753).
- Widest gap: nonperforming loans / loans trails 36% of credit unions under $1B in assets (rank 630 of 1748).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
2.65%
Rank 43 of 1,753
Net Interest Margin
4.22%
Rank 421 of 1,752
Efficiency Ratio
47.98%
Rank 60 of 1,748
Equity / Assets
30.33%
Rank 48 of 1,752
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.65% | 0.23% | 0.68% | 1.19% | Beats 98% | 43 / 1,753 | n/a | |
| Return on Equity | 8.74% | 1.80% | 5.29% | 9.05% | Beats 73% | 465 / 1,750 | n/a | |
| Net Interest Margin | 4.22% | 2.98% | 3.54% | 4.20% | Beats 76% | 421 / 1,752 | n/a | |
| Efficiency Ratio | 47.98% | 69.58% | 78.86% | 88.33% | Beats 97% | 60 / 1,748 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.37% | 0.22% | 0.59% | 1.20% | Beats 64% | 630 / 1,748 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 30.33% | 9.91% | 12.21% | 15.57% | Beats 97% | 49 / 1,753 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 30.33% | 9.91% | 12.21% | 15.57% | Beats 97% | 48 / 1,752 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 98.43% | 55.88% | 73.01% | 86.61% | 93rd pctl | 124 / 1,750 | n/a | |
| Loans / Assets | 68.44% | 48.21% | 62.51% | 73.23% | 63rd pctl | 642 / 1,752 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |