Bartlett, TN · Charter 68084
NCUA · 16 branches
Q2 2024
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 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.31% | 1.38% | 1.56% | 1.72% | 1.81% | 1.85% | 2.49% | 2.65% | +94 bps | |
| Return on Equity | 4.96% | 5.13% | 5.68% | 5.95% | 6.13% | 6.12% | 8.47% | 8.74% | +279 bps | |
| Net Interest Margin | 1.82% | 2.07% | 3.30% | 3.54% | 3.38% | 3.46% | 4.18% | 4.22% | +68 bps | |
| Efficiency Ratio | 71.74% | 77.45% | 94.15% | 72.67% | 65.57% | 60.55% | 48.09% | 47.98% | -2,469 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.74% | 2.65% | 0.53% | -4.09% | -4.74% | -5.09% | -2.80% | -0.29% | +380 bps | |
| Loan Growth (YoY) | 0.98% | 13.09% | 16.97% | 17.96% | 16.96% | 9.90% | 6.21% | 7.40% | -1,056 bps | |
| Share Growth (YoY) | 5.15% | 0.85% | -1.66% | -5.06% | -5.78% | -5.19% | -3.75% | -3.24% | +182 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.14% | 0.11% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 3.67% | 2.80% | 2.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.42% | 26.96% | 27.40% | 28.81% | 29.50% | 30.26% | 29.37% | 30.33% | +152 bps | |
| Net Worth / Assets | 26.42% | 26.96% | 27.40% | 28.81% | 29.50% | 30.26% | 29.37% | 30.33% | +152 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.15% | 81.66% | 84.95% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |