PackageTrendsPeer
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Volunteer

Chattanooga, TN · Charter 63875

Q2 1997

$635KAssets
$339KLoans
$523KShares
n/aNet 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 4.06%, up 3 bps year over year.
  • Asset quality: problem loans at 1.83% of loans (-87 bps YoY).
  • Funding: loans stand at 64.95% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

4.06%+3 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets4.03%3.95%4.16%4.07%4.06%+3 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/a-0.29%5.56%7.55%n/a
Loan Growth (YoY)n/an/a1.95%-6.12%-24.44%n/a
Share Growth (YoY)n/an/a-2.24%4.61%6.73%n/a
Asset Quality
Delinquent Loans / Loans2.69%1.94%2.93%5.71%1.83%-87 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.26%3.38%2.69%3.07%3.75%+48 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares91.75%80.77%80.43%76.19%64.95%-2,679 bps
Liquid Assets / Assets21.94%29.74%32.23%31.41%37.77%+1,583 bps