Loudon, TN · Charter 19789
Q3 2008
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.87% | 0.66% | 0.98% | 0.64% | -0.36% | -123 bps | |
| Return on Equity | 4.86% | 3.64% | 5.48% | 3.71% | -2.11% | -697 bps | |
| Net Interest Margin | 3.41% | 3.31% | 3.16% | 2.84% | 2.90% | -51 bps | |
| Efficiency Ratio | 73.44% | 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 / Loans | 2.52% | 2.18% | 1.87% | 3.48% | 1.68% | -84 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.16% | 1.44% | 1.50% | 1.16% | 0.14% | -102 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.98% | 18.02% | 17.92% | 17.37% | 16.89% | -109 bps | |
| Net Worth / Assets | 17.98% | 18.02% | 17.92% | 17.37% | 16.89% | -109 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.63% | 60.40% | 57.45% | 52.81% | 51.80% | -982 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |