Crossville, TN · Charter 68096
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Crossville, TN · Charter 68096
Q1 2014
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.48% | -2.49% | -1.70% | -1.61% | -1.31% | +317 bps | |
| Return on Equity | -61.58% | -34.03% | -23.34% | -21.48% | -18.96% | +4,262 bps | |
| Net Interest Margin | 3.74% | 3.70% | 3.73% | 3.93% | 3.56% | -17 bps | |
| Efficiency Ratio | 102.78% | 103.66% | 102.78% | 106.48% | 125.12% | +2,234 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.67% | 5.37% | 1.36% | -0.19% | -3.43% | -910 bps | |
| Loan Growth (YoY) | -2.25% | -0.38% | -1.43% | -0.03% | -1.23% | +102 bps | |
| Share Growth (YoY) | 7.70% | 7.39% | 2.79% | 1.38% | -3.20% | -1,090 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.06% | 0.05% | 0.07% | 0.11% | 0.44% | +38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.56% | 0.34% | 0.63% | 0.63% | 0.62% | +6 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.28% | 7.31% | 7.30% | 7.50% | 6.89% | -38 bps | |
| Net Worth / Assets | 7.28% | 7.31% | 7.30% | 7.50% | 6.89% | -38 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.28% | 69.22% | 68.39% | 73.06% | 67.63% | +135 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |