Chattanooga, TN · Charter 68093
NCUA · 2 branches
Q4 2017
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.26% | -0.15% | 0.26% | 0.18% | 0.70% | -2.32% | -1.45% | -1.46% | -164 bps | |
| Return on Equity | -0.84% | -0.49% | 0.80% | 0.53% | 2.14% | -6.91% | -4.29% | -3.90% | -443 bps | |
| Net Interest Margin | 4.25% | 3.96% | 4.40% | 4.40% | 4.62% | 4.51% | 4.51% | 4.68% | +28 bps | |
| Efficiency Ratio | 103.19% | 100.88% | 91.99% | 93.58% | 59.66% | 67.31% | 70.27% | 74.33% | -1,925 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.83% | -0.66% | -4.38% | -11.29% | -5.88% | -11.10% | -5.85% | -13.25% | -196 bps | |
| Loan Growth (YoY) | -5.16% | -1.89% | -1.49% | 1.60% | -2.80% | -11.45% | -15.40% | -19.07% | -2,066 bps | |
| Share Growth (YoY) | -3.05% | -0.93% | -6.75% | -16.63% | -8.92% | -14.77% | -11.39% | -17.98% | -135 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.42% | 0.87% | 1.68% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.34% | 1.34% | 0.59% | 0.74% | 1.23% | 2.57% | 2.08% | 2.72% | +198 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.59% | 30.62% | 32.94% | 33.79% | 32.91% | 33.55% | 33.87% | 37.49% | +370 bps | |
| Net Worth / Assets | 30.59% | 30.62% | 32.94% | 33.79% | 32.91% | 33.55% | 33.87% | 37.49% | +370 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.73% | 100.28% | 111.68% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |