Collegedale, TN · Charter 67917
Q3 2013
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 2.11% | 2.20% | 1.97% | 1.93% | 1.80% | -31 bps | |
| Efficiency Ratio | 112.24% | 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 / Loans | 0.39% | 0.50% | 0.18% | 0.26% | 0.45% | +6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.50% | 0.47% | 0.55% | 0.43% | 0.66% | +16 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.46% | 17.23% | 16.47% | 16.13% | 14.84% | -162 bps | |
| Net Worth / Assets | 16.46% | 17.23% | 16.47% | 16.13% | 14.84% | -162 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.91% | 38.18% | 35.58% | 35.73% | 32.93% | -198 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |