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TVA

Muscle Shoals, AL · Charter 1494

Q2 2006

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: Q2 2006, the quarter ended June 30, 2006, 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

TVA

Muscle Shoals, AL · Charter 1494

Q2 2006

$157.0MAssets
$79.8MLoans
$136.0MShares
$21.1MNet Worth

Executive Summary

  • Earnings: ROA of 1.16%, up 28 bps year over year; NIM at 2.91%.
  • Asset quality: problem loans at 1.83% of loans (+117 bps YoY).
  • Capital: net worth / assets of 13.42%, up 90 bps from a year ago.
  • Funding: loans stand at 58.69% of shares as of Q2 2006.

Return on Assets (YTD, annualized)

1.16%+28 bps YoY

Net Interest Margin (YTD, annualized)

2.91%+12 bps YoY

Efficiency Ratio (YTD, annualized)

63.35%-98 bps YoY

Net Worth / Assets

13.42%+90 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets1.13%1.08%0.94%0.88%0.98%1.00%1.03%1.16%+28 bps
Return on Equity9.03%8.53%7.59%7.01%7.70%7.77%7.97%8.64%+163 bps
Net Interest Margin3.00%2.92%2.69%2.79%2.80%2.79%2.85%2.91%+12 bps
Efficiency Ratio61.86%62.46%64.70%64.33%64.22%64.85%64.66%63.35%-98 bps
Growth
Asset Growth (YoY)20.34%20.61%23.53%4.66%6.58%6.03%3.28%1.90%-276 bps
Loan Growth (YoY)21.87%22.17%32.83%26.55%27.57%27.22%17.04%7.64%-1,890 bps
Share Growth (YoY)19.09%19.01%22.50%4.16%5.93%5.71%2.45%0.95%-321 bps
Asset Quality
Delinquent Loans / Loans0.59%0.66%0.64%0.66%0.48%1.53%1.73%1.83%+117 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.35%0.40%0.36%0.52%0.51%0.45%0.44%0.40%-13 bps
Capital
Risk-Based Capital12.55%12.60%12.37%12.52%12.76%12.88%12.98%13.42%+90 bps
Net Worth / Assets12.55%12.60%12.37%12.52%12.76%12.88%12.98%13.42%+90 bps
Liquidity & Funding
Loans / Shares47.03%46.89%49.18%55.04%56.64%56.43%56.18%58.69%+365 bps
Liquid Assets / Assets20.95%18.73%14.11%12.30%12.01%14.63%13.24%0.00%-1,230 bps