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Chevron Southern

Atlanta, GA · Charter 67378

Q3 2010

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 2010, the quarter ended September 30, 2010, 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

Chevron Southern

Atlanta, GA · Charter 67378

Q3 2010

$3.7MAssets
$1.0MLoans
$3.3MShares
$451KNet 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 142.97%, up 14,268 bps year over year; NIM at -136.56%.
  • Asset quality: problem loans at 0.07% of loans (-166 bps YoY).
  • Capital: net worth / assets of 12.16%, down 194 bps from a year ago.
  • Funding: loans stand at 31.54% of shares as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

142.97%+14,268 bps YoY

Net Interest Margin (YTD, annualized)

-136.56%-14,006 bps YoY

Efficiency Ratio (YTD, annualized)

2.20%-8,949 bps YoY

Net Worth / Assets

12.16%-194 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets0.29%0.17%0.13%0.36%142.97%+14,268 bps
Return on Equity2.06%1.19%0.91%2.59%1175%+117,342 bps
Net Interest Margin3.50%3.17%3.08%4.44%-136.56%-14,006 bps
Efficiency Ratio91.69%94.80%91.13%92.00%2.20%-8,949 bps
Growth
Asset Growth (YoY)13.40%7.59%4.91%4.06%3.90%-950 bps
Loan Growth (YoY)-21.61%-14.29%-9.51%-10.64%-7.47%+1,414 bps
Share Growth (YoY)16.87%9.39%6.04%4.97%6.26%-1,061 bps
Asset Quality
Delinquent Loans / Loans1.74%0.00%1.14%0.35%0.07%-166 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.99%4.33%4.97%4.92%5.21%+22 bps
Capital
Risk-Based Capital14.11%13.89%13.83%13.76%12.16%-194 bps
Net Worth / Assets14.11%13.89%13.83%13.76%12.16%-194 bps
Liquidity & Funding
Loans / Shares36.22%36.81%35.81%34.27%31.54%-468 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps