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Catoosa Teachers

Ringgold, GA · Charter 12176

NCUA · 2 branches

Q3 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2017, the quarter ended September 30, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Catoosa Teachers

Ringgold, GA · Charter 12176

NCUA · 2 branches

Q3 2017

$18.6MAssets
$12.4MLoans
$17.4MShares
$1.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.79%, down 115 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.13% of loans (-83 bps YoY).
  • Capital: net worth / assets of 7.33%, down 496 bps from a year ago.
  • Funding: loans stand at 71.22% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-1.79%-115 bps YoY

Net Interest Margin (YTD, annualized)

3.60%-14 bps YoY

Efficiency Ratio (YTD, annualized)

122.77%+1,385 bps YoY

Net Worth / Assets

7.33%-496 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-0.64%-0.98%-0.46%-0.78%-1.79%-115 bps
Return on Equity-5.22%-8.59%-5.63%-9.52%-24.46%-1,924 bps
Net Interest Margin3.73%3.61%3.30%3.54%3.60%-14 bps
Efficiency Ratio108.92%114.50%106.00%111.19%122.77%+1,385 bps
Growth
Asset Growth (YoY)-0.84%7.14%10.48%5.53%3.21%+406 bps
Loan Growth (YoY)-8.46%-4.82%-3.75%-2.08%3.87%+1,233 bps
Share Growth (YoY)0.06%8.38%12.49%7.03%5.61%+555 bps
Asset Quality
Delinquent Loans / Loans0.96%1.05%0.56%0.52%0.13%-83 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.51%0.39%0.32%0.35%0.58%+8 bps
Capital
Risk-Based Capital12.29%11.35%8.10%8.23%7.33%-496 bps
Net Worth / Assets12.29%11.35%8.10%8.23%7.33%-496 bps
Liquidity & Funding
Loans / Shares72.41%71.70%66.40%70.23%71.22%-119 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps