Chattanooga, TN · Charter 5053
Q2 2000
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.97% | 2.08% | 4.44% | 1.66% | -15.46% | -1,450 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 8.99% | 10.01% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 81.64% | 122.60% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -7.08% | -12.85% | 6.40% | 10.91% | -0.62% | +647 bps | |
| Loan Growth (YoY) | 14.03% | 40.71% | 25.02% | 4.25% | -2.13% | -1,616 bps | |
| Share Growth (YoY) | -8.35% | -23.21% | 6.84% | 13.50% | 16.53% | +2,488 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 22.45% | 13.18% | 15.87% | 11.54% | 34.98% | +1,254 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 10.32% | 8.13% | 9.35% | 8.99% | 24.61% | +1,429 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.69% | 153.11% | 92.39% | 101.45% | 82.04% | -1,565 bps | |
| Liquid Assets / Assets | 40.64% | 29.44% | 24.23% | 0.00% | 0.00% | -4,064 bps | |