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Allied Printers/IBEW 846

Chattanooga, TN · Charter 67948

Q2 2014

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: Q2 2014, the quarter ended June 30, 2014, 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

Allied Printers/IBEW 846

Chattanooga, TN · Charter 67948

Q2 2014

$10.4MAssets
$4.2MLoans
$9.3MShares
$1.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.07%, down 6 bps year over year; NIM at 2.01%.
  • Asset quality: problem loans at 0.78% of loans (-52 bps YoY).
  • Capital: net worth / assets of 10.45%, down 5 bps from a year ago.
  • Funding: loans stand at 44.95% of shares as of Q2 2014.

Return on Assets (YTD, annualized)

0.07%-6 bps YoY

Net Interest Margin (YTD, annualized)

2.01%-16 bps YoY

Efficiency Ratio (YTD, annualized)

96.77%+407 bps YoY

Net Worth / Assets

10.45%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.05%0.00%-0.06%0.13%0.11%-0.07%-0.06%0.07%-6 bps
Return on Equity0.45%0.00%-0.59%1.27%1.00%-0.66%-0.56%0.67%-61 bps
Net Interest Margin2.30%2.28%2.08%2.17%2.17%2.11%2.02%2.01%-16 bps
Efficiency Ratio98.06%97.21%100.19%92.70%94.42%98.04%102.70%96.77%+407 bps
Growth
Asset Growth (YoY)-2.87%-0.95%4.74%3.52%1.60%3.08%-1.63%-0.45%-398 bps
Loan Growth (YoY)8.70%5.34%2.57%7.81%-1.18%-0.11%1.64%-0.39%-820 bps
Share Growth (YoY)-3.18%-0.98%5.37%3.96%1.57%3.44%-1.72%-0.36%-432 bps
Asset Quality
Delinquent Loans / Loans1.48%1.70%1.24%1.30%0.89%1.15%0.71%0.78%-52 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.44%0.48%0.33%0.35%0.36%0.43%0.30%0.22%-13 bps
Capital
Risk-Based Capital10.66%10.59%10.23%10.51%10.54%10.21%10.34%10.45%-5 bps
Net Worth / Assets10.66%10.59%10.23%10.51%10.54%10.21%10.34%10.45%-5 bps
Liquidity & Funding
Loans / Shares45.96%44.58%42.09%44.96%44.71%43.04%43.52%44.95%-1 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps