PackageTrendsPeer
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Tennessee Workers

Nashville, TN · Charter 68147

Q4 2000

$31.6MAssets
$21.3MLoans
$28.5MShares
$2.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.29%, down 319 bps year over year; NIM at 4.89%.
  • Asset quality: problem loans at 0.24% of loans (-14 bps YoY).
  • Capital: net worth / assets of 9.23%.
  • Funding: loans stand at 74.93% of shares as of Q4 2000.

Financial Results

Return on Assets (YTD, annualized)

0.29%-319 bps YoY

Net Interest Margin (YTD, annualized)

4.89%

Efficiency Ratio (YTD, annualized)

90.37%

Net Worth / Assets

9.23%

Year to date, annualized, through each quarter.

MetricQ4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets3.48%3.45%0.42%0.46%0.29%-319 bps
Return on Equityn/an/an/an/a3.09%n/an/a
Net Interest Marginn/an/a5.25%4.74%4.89%n/a
Efficiency Ration/an/a90.41%89.30%90.37%n/a
Growth
Asset Growth (YoY)41.17%41.92%28.14%2.65%-2.36%-4,353 bps
Loan Growth (YoY)54.27%46.86%24.53%-5.60%-17.37%-7,164 bps
Share Growth (YoY)40.74%41.31%28.75%2.44%-2.53%-4,327 bps
Asset Quality
Delinquent Loans / Loans0.39%1.86%0.39%0.36%0.24%-14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.85%0.87%1.43%0.90%1.06%+20 bps
Capital
Risk-Based Capitaln/an/an/an/a9.23%n/an/a
Net Worth / Assetsn/an/an/an/a9.23%n/an/a
Liquidity & Funding
Loans / Shares88.38%81.78%80.14%75.90%74.93%-1,345 bps
Liquid Assets / Assets13.03%16.96%3.85%5.34%22.78%+975 bps