Chattanooga, TN · Charter 68086
Q1 2010
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 4.40% | 4.80% | 4.85% | 4.61% | 3.16% | -124 bps | |
| Efficiency Ratio | 174.85% | 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 / Loans | 12.71% | 8.89% | 8.89% | 16.96% | 13.40% | +69 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.91% | 3.10% | 3.38% | 3.19% | 3.96% | +105 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.66% | 9.50% | 9.94% | 8.94% | 9.10% | -156 bps | |
| Net Worth / Assets | 10.66% | 9.50% | 9.94% | 8.94% | 9.10% | -156 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.94% | 56.08% | 55.20% | 49.72% | 45.53% | -1,740 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |