Nashville, TN · Charter 67719
Q3 2010
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Nashville, TN · Charter 67719
Q3 2010
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.08% | 0.15% | 0.02% | -1.22% | -1.01% | -108 bps | |
| Return on Equity | 0.33% | 0.63% | 0.08% | -5.51% | -4.49% | -482 bps | |
| Net Interest Margin | 4.56% | 4.60% | 4.51% | 3.91% | 4.00% | -56 bps | |
| Efficiency Ratio | 73.03% | 78.04% | 83.50% | 121.79% | 109.97% | +3,694 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.61% | 1.19% | 2.05% | 7.31% | -0.28% | -289 bps | |
| Loan Growth (YoY) | 1.79% | 6.54% | -5.40% | -14.65% | -16.40% | -1,819 bps | |
| Share Growth (YoY) | 2.71% | 0.96% | 2.66% | 9.31% | 0.55% | -216 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.15% | 0.24% | 0.57% | 0.70% | 0.89% | +74 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.86% | 0.71% | 0.67% | 0.97% | 0.85% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.17% | 23.47% | 23.32% | 22.08% | 22.46% | -71 bps | |
| Net Worth / Assets | 23.17% | 23.47% | 23.32% | 22.08% | 22.46% | -71 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.91% | 76.77% | 71.36% | 59.88% | 61.45% | -1,246 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |