Chattanooga, TN · Charter 68093
NCUA · 2 branches
Q4 2017
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.18% | 0.70% | -2.32% | -1.45% | -1.46% | -164 bps | |
| Return on Equity | 0.53% | 2.14% | -6.91% | -4.29% | -3.90% | -443 bps | |
| Net Interest Margin | 4.40% | 4.62% | 4.51% | 4.51% | 4.68% | +28 bps | |
| Efficiency Ratio | 93.58% | 59.66% | 67.31% | 70.27% | 74.33% | -1,925 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.29% | -5.88% | -11.10% | -5.85% | -13.25% | -196 bps | |
| Loan Growth (YoY) | 1.60% | -2.80% | -11.45% | -15.40% | -19.07% | -2,066 bps | |
| Share Growth (YoY) | -16.63% | -8.92% | -14.77% | -11.39% | -17.98% | -135 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.37% | 2.40% | 3.96% | 2.55% | 5.30% | +494 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.74% | 1.23% | 2.57% | 2.08% | 2.72% | +198 bps | |
| Capital | |||||||
| Risk-Based Capital | 33.79% | 32.91% | 33.55% | 33.87% | 37.49% | +370 bps | |
| Net Worth / Assets | 33.79% | 32.91% | 33.55% | 33.87% | 37.49% | +370 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 114.83% | 105.37% | 104.18% | 106.62% | 113.31% | -152 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |