Chattanooga, TN · Charter 68091
Q4 2012
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.24% | 0.31% | -2.50% | -1.65% | -0.88% | -112 bps | |
| Return on Equity | 1.92% | 2.51% | -22.91% | -15.13% | -7.75% | -968 bps | |
| Net Interest Margin | 3.95% | 4.14% | 3.84% | 3.56% | 3.49% | -46 bps | |
| Efficiency Ratio | 87.85% | 88.01% | 91.56% | 94.92% | 95.38% | +753 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.18% | 5.39% | 4.94% | 2.06% | 3.20% | +102 bps | |
| Loan Growth (YoY) | -3.67% | -4.31% | -9.74% | -14.23% | -19.20% | -1,553 bps | |
| Share Growth (YoY) | 3.62% | 6.10% | 7.33% | 3.85% | 4.75% | +113 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.75% | 6.18% | 3.97% | 6.09% | 7.52% | +177 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.04% | 0.86% | 1.14% | 1.82% | 1.17% | -88 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.64% | 12.39% | 10.93% | 10.88% | 11.37% | -127 bps | |
| Net Worth / Assets | 12.64% | 12.39% | 10.93% | 10.88% | 11.37% | -127 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.16% | 59.40% | 54.17% | 51.77% | 50.26% | -1,490 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |