Memphis, TN · Charter 68275
Q4 2008
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.05% | 0.36% | 0.35% | -4.22% | -7.59% | -865 bps | |
| Return on Equity | 8.09% | 4.82% | 4.78% | -95.27% | -868% | -87,598 bps | |
| Net Interest Margin | 5.49% | 6.03% | 5.97% | 6.14% | 6.53% | +104 bps | |
| Efficiency Ratio | 68.40% | 78.75% | 77.76% | 77.88% | 80.97% | +1,257 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.27% | 0.38% | -3.58% | -13.41% | -21.56% | -3,083 bps | |
| Loan Growth (YoY) | 17.71% | 6.70% | -5.87% | -16.62% | -29.00% | -4,671 bps | |
| Share Growth (YoY) | 11.25% | 8.68% | 4.68% | -4.83% | -10.05% | -2,131 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.94% | 3.22% | 4.91% | 4.15% | 3.20% | -174 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.16% | 7.19% | 8.14% | 9.78% | 11.18% | +902 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.02% | 7.38% | 7.25% | 4.43% | 0.87% | -1,215 bps | |
| Net Worth / Assets | 13.02% | 7.38% | 7.25% | 4.43% | 0.87% | -1,215 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.42% | 78.34% | 76.11% | 71.66% | 66.64% | -1,778 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |