Hollow Rock, TN · Charter 24777
Q3 2009
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.49% | -2.31% | -3.33% | 0.98% | 0.19% | +267 bps | |
| Return on Equity | -174.41% | -207% | -1243% | 61.20% | 14.98% | +18,940 bps | |
| Net Interest Margin | 1.21% | 1.25% | 4.97% | 4.95% | 4.96% | +374 bps | |
| Efficiency Ratio | 157.17% | 151.76% | 90.92% | 71.20% | 82.31% | -7,486 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 35.03% | 16.74% | 7.87% | 0.95% | -4.16% | -3,920 bps | |
| Loan Growth (YoY) | 20.20% | 318% | 299% | 329% | 320% | +29,945 bps | |
| Share Growth (YoY) | 44.43% | 20.30% | 10.20% | 1.16% | -4.25% | -4,867 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.73% | 1.96% | 1.82% | 0.00% | 0.00% | -773 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.81% | 0.96% | 1.15% | 0.85% | 1.04% | -278 bps | |
| Capital | |||||||
| Risk-Based Capital | 1.43% | 1.12% | 0.27% | 1.59% | 1.26% | -17 bps | |
| Net Worth / Assets | 1.43% | 1.12% | 0.27% | 1.59% | 1.26% | -17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 13.24% | 57.15% | 50.59% | 62.92% | 58.01% | +4,477 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |