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American Uniform

Cleveland, TN · Charter 61687

Q3 2014

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: Q3 2014, the quarter ended September 30, 2014, 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

American Uniform

Cleveland, TN · Charter 61687

Q3 2014

$5.0MAssets
$710KLoans
$4.1MShares
$891KNet 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 -8.40%, down 708 bps year over year; NIM at 2.18%.
  • Asset quality: problem loans at 0.75% of loans (+75 bps YoY).
  • Capital: net worth / assets of 17.83%, down 530 bps from a year ago.
  • Funding: loans stand at 17.42% of shares as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

-8.40%-708 bps YoY

Net Interest Margin (YTD, annualized)

2.18%-31 bps YoY

Efficiency Ratio (YTD, annualized)

274%+13,280 bps YoY

Net Worth / Assets

17.83%-530 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets-1.32%-1.56%-3.47%-4.63%-8.40%-708 bps
Return on Equity-5.70%-6.94%-15.35%-22.27%-47.13%-4,143 bps
Net Interest Margin2.49%2.45%2.34%2.18%2.18%-31 bps
Efficiency Ratio141.10%147.80%170.59%277%274%+13,280 bps
Growth
Asset Growth (YoY)3.18%5.68%0.73%-1.73%-6.56%-974 bps
Loan Growth (YoY)-20.11%-22.73%-22.05%-43.87%-44.64%-2,453 bps
Share Growth (YoY)7.36%11.08%4.18%2.62%0.81%-655 bps
Asset Quality
Delinquent Loans / Loans0.00%0.04%0.00%0.00%0.75%+75 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.32%1.44%3.33%12.54%22.06%+2,074 bps
Capital
Risk-Based Capital23.13%22.44%22.60%20.81%17.83%-530 bps
Net Worth / Assets23.13%22.44%22.60%20.81%17.83%-530 bps
Liquidity & Funding
Loans / Shares31.73%29.10%28.36%18.95%17.42%-1,431 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps