Chattanooga, TN · Charter 617
NCUA · 1 branch
Q3 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2021, the quarter ended September 30, 2021, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Chattanooga, TN · Charter 617
NCUA · 1 branch
Q3 2021
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 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | -1.11% | -0.86% | 0.26% | 0.11% | -0.13% | -0.38% | -0.58% | -85 bps | |
| Return on Equity | 1.99% | -3.91% | -3.07% | 0.97% | 0.40% | -0.47% | -1.22% | -1.94% | -291 bps | |
| Net Interest Margin | 3.65% | 4.32% | 3.66% | 3.27% | 3.12% | 1.98% | 2.51% | 2.50% | -77 bps | |
| Efficiency Ratio | 84.30% | 81.20% | 84.34% | 92.50% | 96.72% | 106.50% | 114.30% | 122.40% | +2,991 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.65% | 4.11% | 4.25% | 4.20% | 5.03% | 1.99% | -9.15% | -9.61% | -1,381 bps | |
| Loan Growth (YoY) | 9.98% | -0.73% | -14.13% | -18.32% | -18.89% | -11.82% | -16.31% | -17.38% | +94 bps | |
| Share Growth (YoY) | 1.59% | 6.18% | 7.12% | 7.70% | 8.26% | 3.06% | -12.69% | -13.74% | -2,144 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.97% | 1.36% | 4.78% | 5.76% | 6.50% | 8.01% | 9.52% | 7.17% | +142 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.44% | 1.58% | 1.70% | 1.75% | 1.03% | 1.07% | 1.22% | 0.74% | -101 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 29.66% | 28.55% | 27.96% | 27.17% | 27.95% | 28.06% | 30.93% | 30.02% | +285 bps | |
| Net Worth / Assets | 29.66% | 28.55% | 27.96% | 27.17% | 27.95% | 28.06% | 30.93% | 30.02% | +285 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 109.77% | 93.59% | 85.09% | 80.08% | 82.24% | 80.07% | 81.57% | 76.70% | -338 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |