Nashville, TN · Charter 68145
NCUA · 1 branch
Q2 2018
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.82% | 1.18% | 2.38% | 0.58% | 1.15% | +33 bps | |
| Return on Equity | 3.90% | 5.65% | 11.29% | 3.72% | 7.58% | +369 bps | |
| Net Interest Margin | 7.31% | 7.34% | 7.35% | 7.31% | 6.58% | -73 bps | |
| Efficiency Ratio | 83.38% | 79.53% | 61.40% | 73.18% | 72.76% | -1,062 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.91% | -7.58% | -5.47% | 16.56% | 20.22% | +2,913 bps | |
| Loan Growth (YoY) | 18.09% | 16.49% | 16.09% | 9.50% | 3.08% | -1,500 bps | |
| Share Growth (YoY) | -13.81% | -10.01% | -11.33% | 24.00% | 32.04% | +4,585 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 1.45% | 0.77% | 1.16% | 1.03% | +103 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.07% | 0.22% | 0.62% | 4.41% | 4.17% | +410 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.99% | 20.83% | 21.06% | 15.57% | 15.18% | -581 bps | |
| Net Worth / Assets | 20.99% | 20.83% | 21.06% | 15.57% | 15.18% | -581 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 122.57% | 116.33% | 122.49% | 94.68% | 95.69% | -2,688 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |