Bartlett, TN · Charter 68084
NCUA · 16 branches
Q2 2024
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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.72% | 1.81% | 1.85% | 2.49% | 2.65% | +94 bps | |
| Return on Equity | 5.95% | 6.13% | 6.12% | 8.47% | 8.74% | +279 bps | |
| Net Interest Margin | 3.54% | 3.38% | 3.46% | 4.18% | 4.22% | +68 bps | |
| Efficiency Ratio | 72.67% | 65.57% | 60.55% | 48.09% | 47.98% | -2,469 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.09% | -4.74% | -5.09% | -2.80% | -0.29% | +380 bps | |
| Loan Growth (YoY) | 17.96% | 16.96% | 9.90% | 6.21% | 7.40% | -1,056 bps | |
| Share Growth (YoY) | -5.06% | -5.78% | -5.19% | -3.75% | -3.24% | +182 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.19% | 0.16% | 0.38% | 0.32% | 0.37% | +19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 28.81% | 29.50% | 30.26% | 29.37% | 30.33% | +152 bps | |
| Net Worth / Assets | 28.81% | 29.50% | 30.26% | 29.37% | 30.33% | +152 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.68% | 93.29% | 94.65% | 93.75% | 98.43% | +975 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |