PackageTrendsPeer
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Maremont Employees

Loudon, TN · Charter 19789

Q3 2008

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 2008, the quarter ended September 30, 2008, 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

Maremont Employees

Loudon, TN · Charter 19789

Q3 2008

$8.4MAssets
$3.6MLoans
$6.9MShares
$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 -0.36%, down 123 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 1.68% of loans (-84 bps YoY).
  • Capital: net worth / assets of 16.89%, down 109 bps from a year ago.
  • Funding: loans stand at 51.80% of shares as of Q3 2008.

Financial Results

Return on Assets (YTD, annualized)

-0.36%-123 bps YoY

Net Interest Margin (YTD, annualized)

2.90%-51 bps YoY

Efficiency Ratio (YTD, annualized)

108.37%+3,492 bps YoY

Net Worth / Assets

16.89%-109 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets0.87%0.66%0.98%0.64%-0.36%-123 bps
Return on Equity4.86%3.64%5.48%3.71%-2.11%-697 bps
Net Interest Margin3.41%3.31%3.16%2.84%2.90%-51 bps
Efficiency Ratio73.44%76.23%72.53%76.55%108.37%+3,492 bps
Growth
Asset Growth (YoY)-3.58%-3.04%-1.54%7.63%4.81%+840 bps
Loan Growth (YoY)-11.54%-10.60%-10.50%-11.07%-10.77%+77 bps
Share Growth (YoY)-5.29%-4.35%-2.33%9.11%6.14%+1,143 bps
Asset Quality
Delinquent Loans / Loans2.52%2.18%1.87%3.48%1.68%-84 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.16%1.44%1.50%1.16%0.14%-102 bps
Capital
Risk-Based Capital17.98%18.02%17.92%17.37%16.89%-109 bps
Net Worth / Assets17.98%18.02%17.92%17.37%16.89%-109 bps
Liquidity & Funding
Loans / Shares61.63%60.40%57.45%52.81%51.80%-982 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps