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McKee Baking Co. Employees

Collegedale, TN · Charter 67917

Q3 2013

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 2013, the quarter ended September 30, 2013, 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

McKee Baking Co. Employees

Collegedale, TN · Charter 67917

Q3 2013

$15.0MAssets
$4.2MLoans
$12.7MShares
$2.2MNet 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 -0.71%, down 24 bps year over year; NIM at 1.80%.
  • Asset quality: problem loans at 0.45% of loans (+6 bps YoY).
  • Capital: net worth / assets of 14.84%, down 162 bps from a year ago.
  • Funding: loans stand at 32.93% of shares as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

-0.71%-24 bps YoY

Net Interest Margin (YTD, annualized)

1.80%-31 bps YoY

Efficiency Ratio (YTD, annualized)

121.51%+927 bps YoY

Net Worth / Assets

14.84%-162 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets-0.47%-0.49%-0.58%-0.56%-0.71%-24 bps
Return on Equity-2.86%-2.87%-3.50%-3.47%-4.77%-191 bps
Net Interest Margin2.11%2.20%1.97%1.93%1.80%-31 bps
Efficiency Ratio112.24%112.27%117.31%117.30%121.51%+927 bps
Growth
Asset Growth (YoY)5.78%7.00%3.56%5.10%6.35%+57 bps
Loan Growth (YoY)-9.46%-5.32%-3.00%-2.49%2.51%+1,197 bps
Share Growth (YoY)7.52%9.33%5.06%7.12%8.68%+115 bps
Asset Quality
Delinquent Loans / Loans0.39%0.50%0.18%0.26%0.45%+6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.50%0.47%0.55%0.43%0.66%+16 bps
Capital
Risk-Based Capital16.46%17.23%16.47%16.13%14.84%-162 bps
Net Worth / Assets16.46%17.23%16.47%16.13%14.84%-162 bps
Liquidity & Funding
Loans / Shares34.91%38.18%35.58%35.73%32.93%-198 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps