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Signal Cement Workers

Chattanooga, TN · Charter 68086

Q1 2010

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: Q1 2010, the quarter ended March 31, 2010, 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

Signal Cement Workers

Chattanooga, TN · Charter 68086

Q1 2010

$1.3MAssets
$547KLoans
$1.2MShares
$122KNet 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 -1.13%, up 1,374 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 13.40% of loans (+69 bps YoY).
  • Capital: net worth / assets of 9.10%, down 156 bps from a year ago.
  • Funding: loans stand at 45.53% of shares as of Q1 2010.

Financial Results

Return on Assets (YTD, annualized)

-1.13%+1,374 bps YoY

Net Interest Margin (YTD, annualized)

3.16%-124 bps YoY

Efficiency Ratio (YTD, annualized)

135.72%-3,912 bps YoY

Net Worth / Assets

9.10%-156 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets-14.87%-9.85%-6.70%-6.35%-1.13%+1,374 bps
Return on Equity-139.51%-103.66%-67.42%-71.06%-12.45%+12,706 bps
Net Interest Margin4.40%4.80%4.85%4.61%3.16%-124 bps
Efficiency Ratio174.85%80.76%83.98%89.59%135.72%-3,912 bps
Growth
Asset Growth (YoY)-14.33%-15.08%-16.45%-9.64%-10.40%+393 bps
Loan Growth (YoY)-12.76%-17.47%-21.17%-29.82%-33.89%-2,113 bps
Share Growth (YoY)-10.93%-10.72%-13.76%-4.37%-8.62%+231 bps
Asset Quality
Delinquent Loans / Loans12.71%8.89%8.89%16.96%13.40%+69 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.91%3.10%3.38%3.19%3.96%+105 bps
Capital
Risk-Based Capital10.66%9.50%9.94%8.94%9.10%-156 bps
Net Worth / Assets10.66%9.50%9.94%8.94%9.10%-156 bps
Liquidity & Funding
Loans / Shares62.94%56.08%55.20%49.72%45.53%-1,740 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps