PackageTrendsPeer
Letter portraitLegal landscape

Church Koinonia

Chattanooga, TN · Charter 24634

Q2 2013

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 2013, the quarter ended June 30, 2013, 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

Church Koinonia

Chattanooga, TN · Charter 24634

Q2 2013

$2.7MAssets
$1.3MLoans
$2.3MShares
$297KNet 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 0.57%, up 57 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 0.61% of loans (-770 bps YoY).
  • Capital: net worth / assets of 11.20%, down 386 bps from a year ago.
  • Funding: loans stand at 55.49% of shares as of Q2 2013.

Financial Results

Return on Assets (YTD, annualized)

0.57%+57 bps YoY

Net Interest Margin (YTD, annualized)

3.01%-31 bps YoY

Efficiency Ratio (YTD, annualized)

74.96%-1,986 bps YoY

Net Worth / Assets

11.20%-386 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets0.00%0.27%-1.34%0.64%0.57%+57 bps
Return on Equity0.00%1.70%-9.11%4.83%5.05%+505 bps
Net Interest Margin3.32%3.69%3.61%3.35%3.01%-31 bps
Efficiency Ratio94.82%88.43%88.56%75.96%74.96%-1,986 bps
Growth
Asset Growth (YoY)-3.90%-4.86%-4.80%-6.31%-1.74%+216 bps
Loan Growth (YoY)0.21%-0.88%-13.10%-18.92%-18.99%-1,919 bps
Share Growth (YoY)-1.99%-4.08%-2.83%-5.54%1.99%+398 bps
Asset Quality
Delinquent Loans / Loans8.31%4.39%6.29%5.43%0.61%-770 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.25%1.36%0.37%2.03%1.35%+9 bps
Capital
Risk-Based Capital15.06%16.04%14.75%13.30%11.20%-386 bps
Net Worth / Assets15.06%16.04%14.75%13.30%11.20%-386 bps
Liquidity & Funding
Loans / Shares69.86%69.62%65.18%59.34%55.49%-1,437 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps