Memphis, TN · Charter 7581
NCUA · 1 branch
Q4 2022
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 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.88% | -0.97% | -1.60% | -0.23% | -0.75% | +13 bps | |
| Return on Equity | -5.87% | -6.61% | -11.48% | -1.57% | -5.14% | +73 bps | |
| Net Interest Margin | 3.79% | 3.30% | 3.29% | 3.50% | 3.48% | -30 bps | |
| Efficiency Ratio | 103.21% | 108.44% | 112.88% | 77.08% | 90.86% | -1,235 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.21% | 0.09% | -1.15% | 0.61% | -2.20% | -341 bps | |
| Loan Growth (YoY) | -1.12% | -10.08% | -8.89% | -11.80% | -4.02% | -290 bps | |
| Share Growth (YoY) | 2.34% | 0.94% | 0.23% | 1.33% | -1.61% | -395 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.70% | 2.38% | 0.64% | 0.60% | 0.09% | -261 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.58% | 2.72% | 1.52% | 1.73% | 1.70% | -88 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.99% | 14.65% | 13.90% | 14.35% | 14.58% | -41 bps | |
| Net Worth / Assets | 14.99% | 14.65% | 13.90% | 14.35% | 14.58% | -41 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.95% | 69.28% | 67.52% | 67.36% | 70.19% | -176 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |