Chattanooga, TN · Charter 63797
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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 63797
Q3 2007
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 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.54% | 0.87% | 0.69% | 0.69% | +8 bps | |
| Return on Equity | 5.71% | 4.83% | 7.76% | 6.28% | 6.17% | +46 bps | |
| Net Interest Margin | 2.60% | 2.70% | 3.10% | 2.73% | 2.69% | +9 bps | |
| Efficiency Ratio | 77.04% | 80.35% | 72.43% | 75.17% | 74.67% | -237 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.89% | 3.95% | 5.52% | 10.23% | 0.59% | -729 bps | |
| Loan Growth (YoY) | -2.83% | -4.74% | -8.43% | -10.53% | -7.67% | -484 bps | |
| Share Growth (YoY) | 8.74% | 3.72% | 5.42% | 10.78% | -0.06% | -881 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.41% | 0.88% | 0.76% | 2.12% | 2.69% | +128 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.86% | 2.67% | 2.92% | 3.00% | 2.50% | -36 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.70% | 11.24% | 11.16% | 10.99% | 11.22% | +52 bps | |
| Net Worth / Assets | 10.70% | 11.24% | 11.16% | 10.99% | 11.22% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.69% | 47.05% | 39.24% | 37.21% | 38.52% | -317 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |