Knoxville, TN · Charter 68092
Q3 2014
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.87% | -2751% | 0.88% | 0.44% | 0.00% | -87 bps | |
| Return on Equity | 2.38% | -3393% | 1.01% | 0.51% | n/a | n/a | |
| Net Interest Margin | 2.00% | -2589% | 0.00% | 0.00% | 0.00% | -200 bps | |
| Efficiency Ratio | 56.33% | n/a | 0.00% | 0.00% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -2.62% | -98.77% | -98.85% | -98.83% | -100.00% | -9,738 bps | |
| Loan Growth (YoY) | -22.80% | -100.00% | -100.00% | -100.00% | -100.00% | -7,720 bps | |
| Share Growth (YoY) | -4.74% | -100.00% | -100.00% | -100.00% | -100.00% | -9,526 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.90% | n/a | n/a | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.81% | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 36.70% | 81.07% | 87.17% | 86.31% | 0.00% | -3,670 bps | |
| Net Worth / Assets | 36.70% | 81.07% | 87.17% | 86.31% | 0.00% | -3,670 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 9.30% | n/a | n/a | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |