Memphis, TN · Charter 68164
NCUA · 1 branch
Q3 2020
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.42% | 4.58% | 2.70% | 2.24% | 2.04% | 3.99% | 3.53% | 2.86% | +62 bps | |
| Return on Equity | 4.98% | 16.72% | 10.30% | 8.13% | 7.14% | 13.87% | 11.44% | 9.74% | +161 bps | |
| Net Interest Margin | 4.69% | 5.92% | 5.26% | 5.32% | 5.24% | 4.82% | 4.39% | 3.43% | -189 bps | |
| Efficiency Ratio | 31.95% | 15.99% | 19.45% | 22.19% | 31.05% | 17.23% | 14.57% | 13.77% | -843 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.02% | 4.70% | 3.36% | 2.29% | 7.02% | 1.70% | -8.08% | 2.47% | +17 bps | |
| Loan Growth (YoY) | 38.25% | 30.23% | 10.94% | 0.64% | -16.08% | -16.87% | -54.22% | -71.58% | -7,222 bps | |
| Share Growth (YoY) | 6.28% | 4.33% | 2.18% | 0.50% | 5.21% | -1.16% | -14.67% | -0.19% | -69 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 2.25% | 1.61% | 0.00% | 0.00% | 0.00% | -225 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 | 14.39% | 18.70% | 23.51% | 34.93% | 25.65% | 31.11% | 63.68% | 136.17% | +10,125 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 28.44% | 27.39% | 26.21% | 27.61% | 28.62% | 28.79% | 30.89% | 29.39% | +179 bps | |
| Net Worth / Assets | 28.44% | 27.39% | 26.21% | 27.61% | 28.62% | 28.79% | 30.89% | 29.39% | +179 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.72% | 37.34% | 32.09% | 25.83% | 38.06% | 31.41% | 17.22% | 7.36% | -1,848 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |