Clarksville, TN · Charter 68149
NCUA · 2 branches
Q2 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.52% | -0.47% | 0.76% | 1.70% | 0.53% | -1.18% | -5.12% | -588 bps | |
| Return on Equity | 3.95% | 2.88% | -2.98% | 4.66% | 10.12% | 3.07% | -6.91% | -33.97% | -3,863 bps | |
| Net Interest Margin | 4.10% | 4.30% | 4.35% | 2.31% | 4.86% | 5.07% | 5.08% | 2.37% | +5 bps | |
| Efficiency Ratio | 85.78% | 89.42% | 110.63% | 67.77% | 65.60% | 89.67% | 123.04% | 313% | +24,524 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.22% | 3.02% | 8.21% | 4.82% | 1.64% | 4.05% | -5.39% | -4.76% | -958 bps | |
| Loan Growth (YoY) | -11.05% | -14.29% | -4.77% | 7.27% | 20.63% | 28.21% | 20.17% | 7.15% | -12 bps | |
| Share Growth (YoY) | -4.49% | 3.08% | 10.76% | 6.54% | 3.03% | 5.28% | -7.09% | -3.76% | -1,030 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.63% | 1.32% | 0.60% | 0.52% | 0.43% | 0.40% | 0.40% | 0.37% | -14 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 | 1.25% | 1.32% | 1.29% | 1.18% | 1.04% | 1.03% | 1.08% | 1.11% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.64% | 18.12% | 15.66% | 16.33% | 16.78% | 17.28% | 17.04% | 15.07% | -125 bps | |
| Net Worth / Assets | 17.64% | 18.12% | 15.66% | 16.33% | 16.78% | 17.28% | 17.04% | 15.07% | -125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.69% | 70.24% | 63.17% | 71.24% | 83.94% | 85.55% | 81.70% | 79.32% | +808 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |