Chattanooga, TN · Charter 67948
Q2 2014
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.13% | 0.11% | -0.07% | -0.06% | 0.07% | -6 bps | |
| Return on Equity | 1.27% | 1.00% | -0.66% | -0.56% | 0.67% | -61 bps | |
| Net Interest Margin | 2.17% | 2.17% | 2.11% | 2.02% | 2.01% | -16 bps | |
| Efficiency Ratio | 92.70% | 94.42% | 98.04% | 102.70% | 96.77% | +407 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.52% | 1.60% | 3.08% | -1.63% | -0.45% | -398 bps | |
| Loan Growth (YoY) | 7.81% | -1.18% | -0.11% | 1.64% | -0.39% | -820 bps | |
| Share Growth (YoY) | 3.96% | 1.57% | 3.44% | -1.72% | -0.36% | -432 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.30% | 0.89% | 1.15% | 0.71% | 0.78% | -52 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.35% | 0.36% | 0.43% | 0.30% | 0.22% | -13 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.51% | 10.54% | 10.21% | 10.34% | 10.45% | -5 bps | |
| Net Worth / Assets | 10.51% | 10.54% | 10.21% | 10.34% | 10.45% | -5 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.96% | 44.71% | 43.04% | 43.52% | 44.95% | -1 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |