Chattanooga, TN · Charter 10490
Q3 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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 0.28% | 1.01% | 0.86% | 0.78% | +45 bps | |
| Return on Equity | 1.50% | 1.27% | 4.43% | 3.77% | 3.45% | +195 bps | |
| Net Interest Margin | 3.91% | 3.91% | 4.24% | 4.01% | 3.88% | -3 bps | |
| Efficiency Ratio | 73.65% | 75.41% | 66.10% | 68.17% | 69.41% | -424 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.41% | -0.89% | -5.58% | 1.76% | -0.51% | +690 bps | |
| Loan Growth (YoY) | -9.93% | -10.90% | -16.69% | -10.53% | -13.15% | -322 bps | |
| Share Growth (YoY) | -9.76% | -1.29% | -7.48% | 1.75% | -0.90% | +886 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.07% | 3.50% | 2.32% | 2.06% | 1.98% | -9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.19% | 2.35% | 2.77% | 2.95% | 3.28% | +9 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.79% | 21.66% | 22.80% | 22.81% | 22.52% | +73 bps | |
| Net Worth / Assets | 21.79% | 21.66% | 22.80% | 22.81% | 22.52% | +73 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.83% | 88.51% | 87.21% | 87.53% | 83.11% | -1,172 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |