Decatur, TN · Charter 68590
NCUA · 2 branches
Q2 2020
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -10.14% | -7.77% | -6.66% | -6.17% | -4.23% | +590 bps | |
| Return on Equity | -739% | -868% | -3619% | n/a | n/a | n/a | |
| Net Interest Margin | 5.73% | 5.75% | 5.59% | 4.43% | 3.78% | -195 bps | |
| Efficiency Ratio | 117.90% | 123.55% | 130.41% | 153.91% | 159.42% | +4,152 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.11% | -5.70% | -8.89% | -19.46% | -12.30% | -1,220 bps | |
| Loan Growth (YoY) | -4.52% | -16.92% | -26.68% | -38.70% | -44.61% | -4,008 bps | |
| Share Growth (YoY) | -13.94% | -14.21% | -14.64% | -20.16% | 10.46% | +2,440 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 5.20% | 5.58% | 0.00% | 0.00% | 0.00% | -520 bps | |
| Capital | |||||||
| Risk-Based Capital | 1.37% | 0.90% | 0.18% | -1.34% | -1.92% | -329 bps | |
| Net Worth / Assets | 1.37% | 0.90% | 0.18% | -1.34% | -1.92% | -329 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |