Chattanooga, TN · Charter 2188
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 | 1.10% | 1.30% | 2.87% | -1.16% | 18.01% | +1,691 bps | |
| Return on Equity | 3.67% | 4.21% | 8.89% | -3.69% | 42.62% | +3,895 bps | |
| Net Interest Margin | 6.59% | 6.86% | 8.43% | 7.97% | 7.07% | +48 bps | |
| Efficiency Ratio | 84.67% | 82.40% | 68.26% | 81.21% | 26.66% | -5,802 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.20% | -7.92% | -6.06% | -8.05% | 5.82% | +1,802 bps | |
| Loan Growth (YoY) | -10.21% | 6.65% | 3.95% | 0.41% | -1.62% | +859 bps | |
| Share Growth (YoY) | -14.92% | -12.78% | -11.09% | -11.37% | -11.62% | +330 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.44% | 1.00% | 0.95% | 4.09% | 8.62% | +219 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.05% | 3.03% | 3.34% | 3.07% | 3.36% | -68 bps | |
| Capital | |||||||
| Risk-Based Capital | 29.96% | 30.94% | 32.27% | 31.38% | 42.25% | +1,229 bps | |
| Net Worth / Assets | 29.96% | 30.94% | 32.27% | 31.38% | 42.25% | +1,229 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.18% | 99.39% | 100.29% | 102.50% | 102.61% | +1,043 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |