Decatur, TN · Charter 68590
NCUA · 2 branches
Q2 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2020, the quarter ended June 30, 2020, 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.
Decatur, TN · Charter 68590
NCUA · 2 branches
Q2 2020
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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.50% | -2.89% | -10.14% | -7.77% | -6.66% | -6.17% | -4.23% | +590 bps | |
| Return on Equity | 6.41% | 7.17% | -47.58% | -739% | -868% | -3619% | n/a | n/a | n/a | |
| Net Interest Margin | 7.08% | 6.86% | 5.43% | 5.73% | 5.75% | 5.59% | 4.43% | 3.78% | -195 bps | |
| Efficiency Ratio | 69.79% | 73.08% | 76.38% | 117.90% | 123.55% | 130.41% | 153.91% | 159.42% | +4,152 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.71% | 13.31% | 9.22% | -0.11% | -5.70% | -8.89% | -19.46% | -12.30% | -1,220 bps | |
| Loan Growth (YoY) | 5.76% | 1.96% | 0.95% | -4.52% | -16.92% | -26.68% | -38.70% | -44.61% | -4,008 bps | |
| Share Growth (YoY) | 10.98% | 13.70% | 10.57% | -13.94% | -14.21% | -14.64% | -20.16% | 10.46% | +2,440 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.88% | 4.45% | 3.68% | 5.99% | 5.60% | 7.63% | 3.55% | 0.57% | -543 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 | 1.42% | 1.39% | 1.68% | 5.20% | 5.58% | 0.00% | 0.00% | 0.00% | -520 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.94% | 7.01% | 6.08% | 1.37% | 0.90% | 0.18% | -1.34% | -1.92% | -329 bps | |
| Net Worth / Assets | 6.94% | 7.01% | 6.08% | 1.37% | 0.90% | 0.18% | -1.34% | -1.92% | -329 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.67% | 89.09% | 85.32% | 101.44% | 87.81% | 76.51% | 65.50% | 50.87% | -5,057 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |