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Co-op Employee

Lavergne, TN · Charter 68151

Q3 2010

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2010, the quarter ended September 30, 2010, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Co-op Employee

Lavergne, TN · Charter 68151

Q3 2010

$3.0MAssets
$1.2MLoans
$2.5MShares
$467KNet Worth

Executive Summary

  • Earnings: ROA of 0.67%, down 67 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.72% of loans (+48 bps YoY).
  • Capital: net worth / assets of 15.54%, up 287 bps from a year ago.
  • Funding: loans stand at 47.10% of shares as of Q3 2010.

Return on Assets (YTD, annualized)

0.67%-67 bps YoY

Net Interest Margin (YTD, annualized)

3.62%+20 bps YoY

Efficiency Ratio (YTD, annualized)

70.90%+1,081 bps YoY

Net Worth / Assets

15.54%+287 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009Q4 2009Q1 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets0.93%0.76%1.42%1.33%1.28%1.10%1.07%0.67%-67 bps
Return on Equity7.21%5.40%10.95%10.52%9.66%7.17%6.73%4.29%-623 bps
Net Interest Margin2.95%3.26%3.72%3.42%3.55%3.46%3.89%3.62%+20 bps
Efficiency Ratio69.09%69.91%59.28%60.08%57.82%55.71%60.33%70.90%+1,081 bps
Growth
Asset Growth (YoY)3.34%7.34%2.58%0.08%-0.97%-0.87%-7.11%-8.53%-861 bps
Loan Growth (YoY)-9.08%-8.30%-9.43%-13.69%-6.43%0.21%-5.62%2.46%+1,614 bps
Share Growth (YoY)2.74%7.62%2.04%-0.90%-2.27%-2.39%-9.28%-10.90%-1,000 bps
Asset Quality
Delinquent Loans / Loans0.79%0.00%0.15%0.24%0.23%0.68%0.61%0.72%+48 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.88%0.71%0.76%0.78%0.59%0.91%0.61%0.63%-16 bps
Capital
Risk-Based Capital12.93%14.15%12.98%12.67%13.23%15.38%15.85%15.54%+287 bps
Net Worth / Assets12.93%14.15%12.98%12.67%13.23%15.38%15.85%15.54%+287 bps
Liquidity & Funding
Loans / Shares45.30%46.87%44.84%40.96%43.37%48.11%46.65%47.10%+614 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps