Chattanooga, TN · Charter 68090
Q4 1998
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.01% | 4.04% | 4.16% | 4.41% | 4.12% | +11 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 1.06% | 8.79% | 13.90% | 5.70% | 7.19% | +612 bps | |
| Loan Growth (YoY) | 2.59% | 8.42% | 0.91% | -11.02% | -10.26% | -1,285 bps | |
| Share Growth (YoY) | -0.21% | 8.51% | 13.06% | 3.89% | 5.10% | +532 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.68% | 0.28% | 1.00% | 1.07% | 0.00% | -168 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.60% | 0.83% | 1.01% | 1.72% | 2.14% | +154 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.93% | 64.71% | 64.64% | 64.23% | 59.71% | -1,022 bps | |
| Liquid Assets / Assets | 32.24% | 37.08% | 39.37% | 39.22% | 43.64% | +1,140 bps | |