Chattanooga, TN · Charter 68064
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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.
Chattanooga, TN · Charter 68064
Q3 2007
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.34% | -0.47% | -0.24% | -0.53% | -93 bps | |
| Return on Equity | 3.94% | 3.09% | -4.60% | -2.27% | -5.12% | -906 bps | |
| Net Interest Margin | 5.21% | 5.47% | 4.88% | 4.91% | 4.98% | -23 bps | |
| Efficiency Ratio | 96.73% | 97.32% | 97.25% | 92.46% | 100.15% | +342 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.66% | -3.78% | -3.47% | -3.23% | -4.70% | -4 bps | |
| Loan Growth (YoY) | -9.89% | -5.24% | -0.74% | -4.84% | -10.61% | -71 bps | |
| Share Growth (YoY) | -4.17% | -4.58% | -4.05% | -3.56% | -4.74% | -57 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.94% | 2.81% | 2.16% | 1.80% | 2.39% | +45 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.54% | 1.42% | 1.45% | 1.40% | 0.05% | -149 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.21% | 10.86% | 10.30% | 10.37% | 10.33% | +12 bps | |
| Net Worth / Assets | 10.21% | 10.86% | 10.30% | 10.37% | 10.33% | +12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.09% | 76.26% | 72.24% | 70.52% | 68.59% | -450 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |